Growth Capital Built for Your Next Stage
Hum Financial is Hum Capital’s direct lending arm. Access $1M–$50M in flexible, non-dilutive growth capital directly from Hum to fund meaningful business opportunities, with typical terms of 12–36 months.*
Deployed Since 2021
Companies Funded
Who We Fund
Hum Financial provides direct growth capital to established U.S. businesses. You’re a fit if your company meets all three criteria:
Based in the U.S.
Hum Financial lends to established businesses headquartered in the United States.
Raising $1M or More
Facilities from $1M to $50M, sized to your plans and your business.
$2M+ in Annual Revenue
An established revenue base that shows your business is ready to grow.
Put capital to work where it matters
Flexible business financing can help you act on opportunities, invest in growth and strengthen your business without giving up equity.
Expansion & New Locations: Invest in new markets, locations or additional capacity.
Acquisitions: Finance strategic acquisitions and other growth opportunities.
Inventory & Working Capital: Support day-to-day business needs and invest ahead of future growth.
Hiring: Build the team you need for your next stage of growth.
New Products & Services: Invest in launches, new offerings and additional revenue opportunities.
Equipment & Capacity: Invest in the equipment and infrastructure required to scale.
How Direct Lending Works
From first conversation to funding, one Hum team works with you at every step.
Connect Your Data
Link your accounting, banking and payment systems. Hum uses read-only access, so your data can’t be changed.
Hum Underwrites
Our team reviews your financials and plans to structure a facility that fits your business.
Review Your Term Sheet
You receive a non-binding term sheet that lists all fees and pricing before you commit.
Close and Fund
Complete diligence, sign your agreement and put your capital to work.
Why Hum Financial
Hum Is Your Lender
We underwrite, structure and fund your facility directly, with no middleman.
Faster Decisions From Your Lender
Connected data lets our team underwrite quickly, without endless back-and-forth.
Structures Built Around You
Flexible facilities designed around your cash flow and plans, not a one-size-fits-all credit box.
One Team Through Closing
The same Hum team works with you from your first conversation to funding.
Ready to Make Your Next Move?
See if Hum is the right financing partner for your business.
Free. Secure. Confidential.