Put Capital to Work With a Direct Lender
Hum originates, underwrites and manages its own loans to established U.S. businesses. Institutional capital providers can partner with Hum to put capital to work across Hum-originated credit.
Deployed Since 2021
Companies Funded
Who We Lend To
Hum lends directly to established, revenue-generating U.S. businesses that are ready for their next stage of growth, across industries including technology, healthcare, consumer products, industrial and business services.
U.S.-Based Businesses
Established companies headquartered and operating in the United States.
Raising $1M or More
Facilities from $1M to $50M for growth, acquisitions, working capital and refinancing.
$2M+ in Annual Revenue
Revenue-generating businesses with a real operating history.
How Hum Originates
Every loan is sourced, underwritten and monitored by Hum’s own team.
Source
Proprietary deal flow that has funded 125+ companies since 2021.
Underwrite
Connected financial data and Hum’s credit team evaluates each company.
Structure
Facilities built around each business, not one-size-fits-all terms.
Monitor
Ongoing performance data after funding.
How Hum Manages Risk
Hum stays close to every facility after funding. Connected financial data gives Hum’s team an ongoing view of each company’s performance, not a once-a-year snapshot. The same data that supports underwriting keeps working for the life of the loan. Learn more about Hum AI.
Real-Time Data
Banking and accounting data stays connected after funding, so Hum sees changes in revenue, cash and spending as they happen.
Early Action
When a company’s numbers shift, Hum’s team reaches out early to understand what’s changing and work through it with the company.
Powered by Hum AI
A library of 600+ analytics helps Hum spot trends and risks across the portfolio before they become problems.
How Partnering With Hum Works
For institutional capital providers. Tell us about your mandate and our team will follow up.
Funding deals through the Hum Marketplace? Explore the Lenders page →
Share
Tell us about your investment criteria, target size and the types of credit you want exposure to. Our team will follow up to learn more.
Review
Hum shares Hum-originated opportunities that fit your mandate, with the key metrics, company details and analysis behind each one.
Invest
Invest in whole transactions or alongside Hum. After funding, you receive ongoing performance reporting on every facility.
Why Invest With Hum
Direct Origination
We source and underwrite our own loans. We are not just a marketplace.
Data-Driven Credit
Real-time financial data supports faster, better-informed credit decisions.
Flexible Participation
Invest in whole transactions or alongside Hum, based on your mandate.
One Team, Start to Finish
Hum sources, underwrites, funds and monitors every loan.
Let’s Talk About Putting Capital to Work
For institutional capital providers. Tell us about your mandate and our team will follow up.
Funding deals through the Hum Marketplace? Explore the Lenders page →