Where can I send a client who needs financing their bank turned down?

To a business financing advisory like Serve Funding. We're not a lender. We represent your client to the non-bank lending market: asset-based lenders, factors, equipment lessors, real estate lenders, and specialty lenders. We find what fits their situation, and we bring back two or three real options instead of one quoted rate. Start at servefunding.com/discover, or email michael@servefunding.com for a warm introduction.

Is Serve Funding a lender or a broker?

A broker, in the best sense of the word. We're a family-owned business financing advisory, so we work for the client, not for a lender. We're channel-neutral and product-neutral: we're not trying to fit every client into AR financing or equipment leasing. We look across everything available and recommend the structure that actually fits.

What size of business and financing do you work with?

We place financing from $250K to $100MM for businesses with real revenue and a real plan. Most clients are growing companies that should be bankable in 12 to 24 months but aren’t today, because of thin DSCR, tax returns that lag current revenue, recent leverage, or an industry the bank won’t take.

What kinds of financing can you arrange for my client?

Five broad kinds: working capital and bridge loans; asset-based lending on receivables, inventory, purchase orders, equipment, and commercial real estate; subordinated or stretch capital behind an existing bank facility; equipment leasing and financing; and real estate lending. Programs in our network include revenue-based term loans up to $10MM, asset-based lines up to $50MM or more, and government contract financing up to $10MM or more.

Can you help a client stuck in merchant cash advances?

Often, yes. MCAs can work like a drug that businesses get hooked on, with each advance making the next one more necessary. If the business has real revenue and something to build on, we look at refinancing the stack into a term loan or an asset-based facility with a payment the business can carry. If the numbers don't support that, we'll say so plainly rather than add another layer.

Do you finance government contractors, healthcare, or tech companies?

Yes. Government contract financing covers receivables, contracts, and work in progress for prime contractors and subcontractors on federal, state, and Defense contracts. There are specialty term loans for healthcare firms, and revenue-based term loans for software and SaaS companies with no equity warrants. We also work regularly with manufacturing, construction, staffing, and distribution.

How fast can my client get funded?

It depends on the structure. Working capital loans and bridge capital typically fund in 2 to 10 business days, and some real estate bridge loans close in under a week. Invoice factoring usually takes 2 to 3 weeks to set up, and asset-based lending 4 to 8 weeks. When timing is critical, a bridge can often fund quickly while a longer-term facility closes behind it.

What happens if you can’t help my client?

We tell them on the first call. Time is the one resource none of us can make more of, and the worst outcome for a referral is weeks of underwriting that end in a no. So we'd rather be honest early than string anyone along. If we can't place a deal, we'll tell you too.

Will you compete with me for the client relationship?

No. We only do financing, so we don't offer the tax, accounting, or advisory work you provide. We want your client to come away seeing you as the advisor who found a way. That's how referral relationships last, and it's how we've built ours.

Resource & Referral Hub for Business Advisors

When Your Client Needs Capital, Bring Us In

Serve Funding is a business financing advisory, not a lender. When a client needs capital their bank can't provide, we take them to the lending market, bring back real options, and keep you in the loop the whole way.

A family-owned advisory led by co-founders Michael and Sarah Kodinsky. Funding from $250K to $100MM.

It's about time, and it's about trust

Your clients' time is limited while they build their businesses. Yours is limited too, between client work and everything else on your plate. Financing shouldn't become a second job for either of you.

And every time you make a referral, part of your reputation goes with it. The worst outcome is a referral that spends weeks in underwriting and then falls apart. So we look at every structure available before we recommend one, and if nothing fits, we tell your client on the first call.

“Time is our most valuable resource. It's the only one that's truly finite. Everything else in the world, you can make more of, but not time.”

Michael Kodinsky, Co-Founder & CEO

Get the Advisor One-Pager

Keep this on file as a reference or share it with your team: what we fund, and a sampling of the programs we place, with real terms.

•The five kinds of capital we place: working capital and bridge, asset-based lending, subordinated and stretch capital, equipment, and real estate
•Eight sample programs with amounts, terms, rates, and credit requirements
•How we strengthen your standing with the clients you already serve

Who we work with

CPAs & Accountants

You see the cash-flow squeeze in the numbers before anyone else does. We turn that into a financing plan your client can act on.

Fractional CFOs

You own the forecast. We bring the lender market to it, so the capital plan has real options behind it.

Investment Bankers

Bridge capital, acquisition financing, and working capital around a transaction, for the deals that need debt alongside the raise.

Private Equity Firms

Working capital and asset-based facilities for portfolio companies, from add-on acquisitions to seasonal swings.

Business Advisors & Consultants

When a client’s growth plan hits a funding wall, we find the structure that gets them over it.

Creative capital solutions

We're channel-neutral and product-neutral, so we can layer structures and shop several lenders at once.

Working capital & bridge

Short- and mid-term working capital loans and lines of credit for situational capital needs.

Asset-based lending

Non-bank facilities built on receivables, inventory, purchase orders, equipment, and commercial real estate.

Subordinated & stretch capital

A short-term infusion behind an existing bank facility, for bankable clients who need a little more.

Equipment leasing & financing

New and existing equipment across construction, manufacturing, data centers, and more.

Real estate lending

Bridge and long-term financing for commercial and investment property: purchase, refinance, and cash-out.

See all funding solutions side by side.

How a referral works

1
You make the introduction
Send your client to servefunding.com/discover, or email michael@servefunding.com if you would rather make a warm introduction or set up a three-way call.
2
A 20-minute discovery call
We map the situation (collateral, revenue trajectory, use of funds, timing) and identify which structures fit. If nothing does, we say so on this call.
3
We shop the deal
We take the deal to the lenders that fit and come back with two or three real options for your client to compare, not a single quoted rate.
4
Closing, with you in the loop
We negotiate terms on your client’s behalf and guide them through closing. You stay informed throughout, as much as your client wants you to be.

Advisor FAQ

The questions CPAs, CFOs, and advisors ask before sending the first client.

Have a Client in Need of Financing?

Answer a few questions and schedule a call at your convenience.
Takes a few minutes and there's no obligation.