Who we are
Hamra Equities Inc. is a privately held funding company based in New York. We provide revenue-based funding to small and mid-sized businesses across the United States, deployed from our own capital. The decision on a file is ours, and so is the money behind it.
Our clients are the businesses that keep the economy running and rarely fit a bank's underwriting box: contractors, trucking companies, auto shops, restaurants, medical practices, distributors, and retailers. Strong revenue, inconsistent months, and a need for capital faster than a ninety-day commercial loan process can deliver.
How we underwrite
We look at what a business actually does rather than what a credit score suggests it might do. Deposit volume and consistency, time in business, industry, and existing obligations carry more weight with us than a personal FICO number.
That means we can say yes to files a bank declines. It also means we say no when the numbers don't support funding — putting a business into payments it can't carry serves nobody, least of all us, since it is our capital at risk. If a file doesn't work, we tell you why.
What you can expect
Terms in writing, first
Amount, factor rate, term, payment, and frequency disclosed before you sign anything.
A straight answer
An approval or a decline, with the reasoning. No file left open indefinitely waiting on someone else.
One point of contact
The person you speak with first is the person who handles your file through funding.