Your Clients Need Capital — Here’s How We Help You Help Them

If you’re an advisor, outsourced CFO, VC, or PE firm, you’ve had this conversation before: a client or portfolio company needs growth capital, and you know equity isn’t the right answer. 

You want to help, but navigating the debt market on their behalf isn’t your core business. The lending landscape is fragmented, opaque, and time-consuming to unwind. There are dozens of lending products, hundreds of lenders, and no obvious starting point. So the conversation stalls, or the company does it alone and ends up in a process that takes months and may not lead to the right outcome.

We built Hum’s partner program to solve exactly that problem.

How it works.

When you refer a client to Hum, they’re paired with a dedicated relationship manager on our team — someone who understands lending structures, knows the market, and can guide the company from initial conversation through close.

Your client gets access to Hum’s full platform: AI-powered financial profiling, matching across multiple capital products, and a streamlined diligence process that eliminates the usual friction. Because Hum also lends from its own balance sheet, in many cases the right match is us. That means your client can get to a signed term sheet and funded without a third party ever involved. 

You stay informed throughout, but the heavy lifting is on us. And you benefit from a revenue share on every deal that closes. 

Why partners work with us.

The advisors, CFOs, and investors who refer clients to Hum share a few things in common:

1. They have clients who need capital, but don’t fit neatly into a single lending category. Maybe the company has strong revenue but no institutional equity on the cap table. Maybe they need an ABL facility but their current advisor only knows venture debt lenders. Maybe they’re a non-SaaS business that’s been told debt isn’t for them. Hum’s platform evaluates the full picture and finds the right match — across venture debt, revenue-based financing, asset-based lending, equipment financing, structured credit, and more.
2. They want to add value without adding workload. Referring a client to a single lender is easy, but limited — you’re constrained by that one lender’s credit box. Referring a client to Hum means they get matched to the right product based on their actual financials, whether funded directly from Hum’s own balance sheet where we’re the best fit or placed with a partner in our network where someone else is. Because Hum lends its own capital and holds the risk where we’re the lender, we’re not just making introductions. We have skin in the game.
3. They want a partner who communicates well. Lending is relationship-driven, and the worst thing a referral partner can experience is sending a client into a black hole. Every partner at Hum works with a named relationship manager who keeps you in the loop — from initial intake to term sheet to close.

Who this is for.

Outsourced CFOs and fractional finance leaders. Your clients lean on you for strategic financial guidance. Being able to say “I know exactly who to call for this,” and have it lead to a real outcome, deepens that relationship and positions you as a capital advisor, not just a bookkeeper.

Venture Capital and Private Equity firms. Your portfolio companies need capital between rounds, alongside rounds, or for purposes that don’t justify further dilution. Rather than making ad-hoc introductions to individual lenders, you can route them through a platform that evaluates their full range of options. When Hum is the lender, your portfolio company deals directly with the lender managing the risk — one accountable party, aligned on the outcome.

M&A advisors and investment banks. Debt is often a component of the transactions you’re advising on, whether it’s acquisition financing, bridge capital, or working capital facilities post-close. Having a lending partner who can move quickly and evaluate multiple structures at once makes your deals smoother. And because Hum can underwrite and fund off its own balance sheet, you get certainty of close on a deal timeline — not a referral that may or may not come together at the eleventh hour.

Business consultants and accountants. You see your clients’ financials every month. You know when they need capital before they do. Being able to make a warm introduction to Hum — and earn a revenue share when it closes — turns that insight into value.

What we’re looking for in partners.

We value partners who have genuine relationships with growing businesses, who understand their clients’ financials well enough to know when non-dilutive capital is the right fit, and who care about the outcome.

If that sounds like you, we’d like to talk.

→ Interested in becoming a Hum partner? Speak to Hum.