- Home
- About
A New York funder built on direct relationships
We started 18 Funding to give business owners a straight line to capital, and a funder who stands behind its word.
Most business owners looking for capital online end up with a broker. Their file gets shopped, their phone doesn't stop ringing, and the final cost includes a commission they never see. We built 18 Funding to be the alternative.
The capital source, not the middleman.
18 Funding is a direct funder headquartered in New York. We review every application in-house, make every funding decision ourselves, and fund from our own balance sheet.
That structure lets us move quickly, speak plainly, and stand behind the terms we offer. It also means the relationship doesn't end at funding. When you need capital again, you call the same team.
Three commitments on every deal.
Direct
One funder, one underwriter, one point of contact from application to funding.
Transparent
Every offer shows the total cost, payment schedule, and fees before you sign.
Responsible
We size offers to what your business can carry, not the maximum we can place.