Direct Debt Capital for Profitable, Founder-Owned Businesses
Hum Financial is Hum Capital's direct lending arm -- providing institutional-grade debt capital to profitable, founder-owned businesses that banks overlook and other lenders exploit.
We lend from our own balance sheet. Every deal is self-originated and underwritten by our team, powered by proprietary AI technology that lets us move faster and see deeper than traditional lenders. If your business does $2M-$50M in revenue and you are profitable, you probably qualify. Average loan sizes: $1M-$5M. Average terms: 18-30 months. No equity. No warrants.
Deployed Since 2021
Companies Funded
Working with Hum Financial
AI-Powered Underwriting -- We See Businesses in Real Time
Hum connects directly to QuickBooks, NetSuite, Stripe, and banking systems -- ingesting real-time financial data rather than waiting on PDFs submitted 90 days after the fact. Our models analyze 220+ data points per deal, including automated 3-statement models, cohort analysis, and management background profiling. The result: faster decisions grounded in better data.
The Right Capital Structure for Your Stage
We focus on term loans that average $1M-$5M for profitable businesses that need growth capital -- not recapitalization, not rescue finance. Average facility size is $2.1M. Average borrower revenue is $12M. We structure around cash flows, not around hard assets or sponsor relationships.
Built for Businesses Banks Pass On
Our borrowers are profitable, founder-owned businesses with $2M-$50M in revenue -- companies that are too small for traditional private credit but too sophisticated for merchant cash advance lenders. We operate across all US geographies and industries by design. Our technology-driven origination model means we evaluate the merit of your business, not your zip code or sector.
Ongoing Monitoring That Works for Both Sides
Because we stay connected to financial systems throughout the life of the loan, monitoring is continuous -- not a quarterly PDF submission. Borrowers spend less time on reporting. We stay ahead of any credit issues before they become problems. Everyone benefits.
We Underwrite Every Deal Ourselves -- No Middlemen
100% of our deal flow is self-originated. We never buy deals from other lenders. When you work with Hum Financial, you deal directly with the team that underwrote your loan -- from first conversation through final repayment. That means faster decisions, cleaner communication, and a lender with real skin in the game.
Built by Credit Professionals, Powered by Technology
Hum Financial is led by Stephen Isaacs, who built the BMO Sponsor Finance business from inception to over $18B in assets under management -- one of the most successful middle market lending platforms in North America. Our team combines institutional credit expertise with proprietary AI technology purpose-built for this market.