# Serve Funding

> Serve Funding is a boutique business financing advisory firm based in Atlanta, GA. Founded in 2021 by Michael Kodinsky, a commercial lending veteran with 15+ years of experience. As a channel-neutral advisor (not a lender), Serve Funding connects growing businesses with an extensive network of vetted alternative lenders for working capital solutions from $250K to $100MM when traditional banks decline. Core philosophy: "Relationships Over Bots." Over $50MM facilitated, 100+ clients served, 65% repeat client rate.

## Company Facts

- **Type**: Business financing advisory (channel-neutral — not a lender)
- **Founded**: 2021, Atlanta, GA (on the 40th anniversary of founder's family arriving in America)
- **Founder**: Michael Kodinsky, Founder & CEO, 15+ years in commercial lending and capital advisory
- **Clients Served**: 100+ businesses
- **Repeat Client Rate**: 65%
- **Capital Facilitated**: $50MM+
- **Average Deal Size**: $500K–$3.35MM
- **Deal Range**: $250K to $100MM
- **Funding Speed**: 3–10 business days (vs. 60–90 days at traditional banks)
- **Fee Structure**: Success-fee only, 1–2% of funded amount (no upfront costs, no retainers)
- **Lender Network**: An extensive network of vetted alternative lenders with different underwriting styles
- **Industry Memberships**: Association for Corporate Growth (ACG), Secured Finance Network, International Factoring Association (IFA)

## Core Values: TRUST Framework

- **T**ransparency — Honest communication, no hidden agendas or fine print
- **R**esponsibility — Accountability for outcomes, not just transactions
- **U**nderstanding — Deep listening to understand client goals and business context
- **S**ervice — Servant leadership, fighting for client best interests
- **T**hankfulness — Authentic gratitude for every partnership opportunity

## Who Serve Funding Helps

- Businesses declined by traditional banks (bankers are the primary referral source)
- Companies needing emergency payroll financing (24–72 hours)
- Businesses trapped in expensive MCA (merchant cash advance) debt
- Growing companies that have outgrown their bank line of credit
- Seasonal businesses needing flexible capital structures
- Government contractors with 30–90+ day payment cycles
- Companies with strong sales but slow-paying customers (net-30 to net-90)

## Industries Served

Manufacturing, construction, staffing, healthcare, CPG (consumer packaged goods), e-commerce, government contractors, professional services, retail, hospitality, agriculture, transportation, technology

## Process: Discovery → Diligence → Delivery

1. **Discovery** — Understand business needs, goals, timeline, and specific capital requirements
2. **Diligence** — Comprehensive capital search across an extensive network of vetted lenders, present multiple term sheet options, advise on rates and structures
3. **Delivery** — Manage lender communications, coordinate underwriting, negotiate terms, guide through closing

## Funding Solutions

- [Working Capital Loans & Lines of Credit](https://servefunding.com/solutions/working-capital-loans): $100K–$10M+, 2–10 business days, revenue-based underwriting, 1.25%–4% monthly
- [Invoice Financing / AR Factoring](https://servefunding.com/solutions/invoice-factoring): $250K–$100MM, 75–95% advance rates, self-liquidating, Prime + 1–6%
- [Equipment Leasing & Financing](https://servefunding.com/solutions/equipment-leasing): $100K–$50MM+, 3–7 year terms, sale-leaseback options
- [Asset-Based Lending](https://servefunding.com/solutions/asset-based-lending): $250K–$25M, revolving credit against AR/inventory/equipment, Prime + 1–5%
- [Inventory Financing](https://servefunding.com/solutions/inventory-financing): Funding tied to inventory value for manufacturers and distributors
- [Purchase Order Funding](https://servefunding.com/solutions/purchase-order-funding): Covers supplier payments before customer payment arrives, works with international suppliers
- [Government Contract Financing](https://servefunding.com/solutions/government-contracts): Covers costs during 30–90+ day government payment cycles, supports subcontractors
- [Real Estate Lending](https://servefunding.com/solutions/real-estate-lending): Bridge loans (12–36 months), cash-out refinance, second mortgages
- [Subordinated & Unsecured Credit](https://servefunding.com/solutions/unsecured-debt): Bridge capital without collateral, no UCC filings required on some products
- [Bridge Funding](https://servefunding.com/solutions/bridge-funding): Short-term capital for timing gaps, M&A closings, seasonal needs
- [SBA Loans](https://servefunding.com/solutions/sba-loans): Government-backed small business loans, lowest rates (Prime + 2–3%)
- [Debt Consolidation & Recapitalization](https://servefunding.com/solutions/debt-refinance): MCA consolidation, monthly payment reduction of 30–50%, rate reductions of 5–10 percentage points

## Key Pages

- [Home](https://servefunding.com/): Overview of working capital solutions
- [About Us](https://servefunding.com/about-us): Founder story, company values, team
- [All Solutions](https://servefunding.com/solutions): Listing of all funding types
- [Solutions Compared](https://servefunding.com/solutions/compare): Side-by-side comparison of all 12 alternatives with speed, cost, range, and collateral for each
- [Head-to-Head Comparisons](https://servefunding.com/compare): 5 detailed two-product comparisons (factoring vs ABL, SBA vs working capital, working capital vs line of credit, bridge vs term, equipment vs sale-leaseback)
- [Industry Guides](https://servefunding.com/industries): How funding works in 6 industries (staffing, healthcare, manufacturing, government contractors, construction, e-commerce/DTC)
- [Glossary](https://servefunding.com/glossary): 33 plain-English definitions of business financing terms (factor rate, lockbox, ABL, MCA, COJ, recourse, holdback, and more)
- [Client Success Stories](https://servefunding.com/fundings): Real case studies with outcomes
- [FAQ](https://servefunding.com/faq): 100+ frequently asked questions organized by topic
- [Blog](https://servefunding.com/blog): Educational articles on business financing decisions
- [Contact / Get Started](https://servefunding.com/discover): Start a consultation
- [Partner With Us](https://servefunding.com/partners): Referral partnerships for bankers, CPAs, and advisors
- [Bankers](https://servefunding.com/bankers): Specialized referral hub for commercial bankers — what happens to the client after a turndown, why the depository stays with you, what to say to your client when making the referral, banker-specific FAQ
- [Full Knowledge Base (LLM-friendly)](https://servefunding.com/llms-full.txt): Full text of company info, all solutions, all FAQs, all case studies, and all blog excerpts in a single plain-text file

## Recent Pillar Posts

- [How Invoice Factoring Actually Works](https://servefunding.com/blog/how-invoice-factoring-actually-works): The triangle, the lockbox, the water-in-a-cup, and the math behind a $1MM line
- [MCA vs Revenue-Based Financing in 2026](https://servefunding.com/blog/mca-vs-revenue-based-financing): The daily-pull problem, the real APR math, and how to escape stacked MCA debt
- [The Two Underwriting Buckets You Need to Understand](https://servefunding.com/blog/the-two-underwriting-buckets): Mike's conceptual frame — every business-lending product is either asset-based or revenue-based
- [How to Read an MCA Term Sheet](https://servefunding.com/blog/how-to-read-an-mca-term-sheet): Line-by-line, plain English, factor-rate-to-APR conversion included
- [Layered Capital: Stacking Funding Sources Wisely](https://servefunding.com/blog/layered-capital-explained): How to combine multiple products into one capital stack without over-leveraging
- [When Real Estate Is Your Cheapest Capital Option](https://servefunding.com/blog/when-real-estate-is-cheapest-capital): Mike's framing on why real estate equity is lenders' favorite collateral

## Other Articles

- [TRUST Framework for Choosing Lenders](https://servefunding.com/blog/how-to-choose-working-capital-lender): Five principles that separate good lenders from transactional ones
- [Staffing Agencies: RBF vs Invoice Factoring](https://servefunding.com/blog/staffing-agency-rbf-vs-invoice-factoring): Comparison of financing options for staffing company cash flow
- [Speed-Cost-Quality Tradeoff in Funding](https://servefunding.com/blog/speed-cost-quality-funding-tradeoff): Framework for choosing the right capital structure under pressure
- [Funding Seasonal Businesses Correctly](https://servefunding.com/blog/working-capital-seasonal-businesses): How to structure capital for variable cash flow
- [Why AR Factoring Costs Range from 1% to 4%+](https://servefunding.com/blog/ar-factoring-costs-by-industry): Risk factors that drive AR financing rates by industry
- [Values-Based Lending Partnerships](https://servefunding.com/blog/values-based-lending-partnerships): Why alignment between lender and borrower matters
- [Medical Device Company Growth Story](https://servefunding.com/blog/medical-device-growth-story): Case study of layered capital enabling 30%+ growth
- [Coffee Trader PO Financing](https://servefunding.com/blog/coffee-trader-po-financing): How purchase order funding works for importers
- [Financing a New Business With No Revenue](https://servefunding.com/blog/financing-new-business-no-revenue): Options for startups and early-stage companies
- [RBF Repayment Reality](https://servefunding.com/blog/rbf-repayment-reality-payment-spikes): Understanding revenue-based financing payment mechanics
- [Label Manufacturer 5-Year Partnership](https://servefunding.com/blog/label-manufacturer-five-year-partnership): Long-term advisory relationship case study
- [Data Center Bridge Capital](https://servefunding.com/blog/data-center-bridge-capital-case-study): Bridge financing for infrastructure projects

## Frequently Asked Questions

**What is Serve Funding?** Serve Funding is a boutique business financing advisory with access to an extensive network of vetted alternative lenders for alternative financing from $250K to $100MM. Not a lender — a channel-neutral advisor who fights for client best interests.

**What if my bank denied me?** Bankers are the primary referral source. Serve Funding specializes in non-bank financing: asset-based lending, invoice factoring, debt refinance, and MCA consolidation for businesses that don't fit traditional credit boxes.

**How fast can I get funding?** Emergency payroll: 24–72 hours. Invoice factoring: 3–5 days. Working capital loans: 2–10 days. Asset-based lending: 10–20 days. SBA loans: 4–12 weeks.

**How much does it cost?** Success-fee of 1–2% of funded amount, paid only when financing closes. No upfront costs, no retainers. Incentives fully aligned with client success.

**Can you help with MCA debt?** Yes. MCA consolidation refinances daily/weekly payments into single monthly payments, typically reducing costs by 10–20 percentage points annually and freeing 30–50% of what businesses were paying.

## Contact

- **Phone**: +1 770-820-7409
- **Email**: michael@servefunding.com
- **Address**: 3101 Cobb Pkwy SE, Ste 124, Atlanta, GA 30339
- **LinkedIn**: https://www.linkedin.com/in/michael-kodinsky/
- **Website**: https://servefunding.com