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Want to earn like the Bank?
Targeting
12
%*
Annual
Returns
Returns
With Monthly Distributions
Earn predictable monthly returns backed by real business receivables- not speculation. Now, you can invest in a proven receivables purchase model used by banks for decades..
INVESTMENT SNAPSHOT
Annual Return
12% Fixed Return
Payout Frequency
Monthly (1% per month)
Minimum Investment
$1,000
Payout Start
90 Days After Investment
Total Raise
$2.5 Million
A multi-category wellness portfolio (THC, CBD, skincare, pet wellness)
Premium margins + high customer retention
Strong brand differentiation and cultural relevance
Scalable CPG infrastructure, built to grow
Why ride the market?
In today’s market, many investment opportunities involve:
• High volatility
• Uncertain outcomes
• Fast-moving, speculative trends
At the same time, institutional investors have long accessed strategies grounded in real economic activity—like receivables-based financing—that provide structured and predictable income.
Be the bank without the bottleneck
Our platform offers access to a structured pool of receivables through a factoring-based model:
• We buy receivables at a discount
• We collect the payments
• You earn returns from the process
This approach provides income stability, backed by cash flow from real operating businesses
Targeted 12% Annualized Return – Monthly Distributions – Backed by Receivables
USA Funding manages a diversified pool of receivables from businesses nationwide. These are not business loans—they are asset-backed transactions structured around invoice purchases.
You earn returns as those receivables are collected—an income model rooted in real economic activity.
Target Return
12% annually, net of fees
Minimum Investment
$50,000
Hold Period
3 years (early exit considered case-by-case)
Distributions
Monthly via ACH (approx. 1% of invested capital)
Structure
Equity participation in a receivables purchase vehicle
Collateral
Receivables are assigned and serviced by USA Funding
Use of Capital
Financing business receivables to support working capital needs
Consistent Income. Transparent Model.
Tangible Impact.
Tangible Impact.
Why Participate
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Monthly Cash Flow
Earn scheduled monthly distributions based on collected receivables.
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Predictable Returns
Returns are structured through managed factoring transactions—not speculation.
Human-Driven Underwriting
We assess both financials and business stories—resulting in thoughtful funding decisions.
Risk Management
Decades of underwriting experience, coupled with real-time payment tracking.
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Transparent Reporting
View real-time data and monthly summaries through our secure investor portal.
Receivables-Backed Security
Earn a targeted 12% annually by investing in our strategic offering.
Empowering Business Growth.
Delivering Investor Value.
About USA Funding
USA Funding is a private commercial finance firm focused on receivables-based transactions. Our mission is to provide businesses with the working capital they need while offering accredited investors access to structured, receivables-driven income.
We operate across industries and regions, offering a consistent, asset-backed investment model.
Mission
Deliver capital with integrity to help businesses grow
Vision
Bridge investors with opportunities based on real commerce
Values
Transparency, Performance, Partnership
We are not brokers. We originate, service, and manage each transaction in-house.
Invest NowBegin Your Investment Journey in 3 Simple Steps
How to Participate
1
2
3
Explore the Offering
Review performance summaries, FAQs, and legal documentation at your convenience.
Commit Funds & Start Earning
Once capital is committed, you’ll begin receiving monthly distributions based on receivables performance.
1
Request Access
Complete our secure onboarding form. We’ll verify accreditation and activate your portal access.
2
Explore the Offering
Review performance summaries, FAQs, and legal documentation at your convenience.
3
Commit Funds & Start Earning
Once capital is committed, you’ll begin receiving monthly distributions based on receivables performance.
Frequently Asked Questions
What is USA Funding?
USA Funding is a factoring company, not a lender. We specialize in receivable-based financing for small businesses, using their receivables as collateral to support growth. We partner with business owners as strategic consultants, not just financiers.
Is this a loan?
No. We do not provide loans or consumer credit. Instead, we offer advances based on your receivables through factoring. This approach provides flexible, non-debt working capital solutions.
How much are you raising and why?
We are raising $5 million through the offering of Series A Preferred Units. These funds will be deployed directly into supporting small businesses across the country through receivables-based funding solutions.
What do investors receive?
Investors in our Series A Preferred Units can expect a 12% annualized return, paid monthly after an initial 120-day waiting period. Distributions are cumulative but non-compounding.
What are the key terms of the offering?
- Security: Series A Preferred Units (non-voting)
- Minimum Investment: $50,000
- Return: 12% annually, distributed monthly (after 120 days)
- Liquidity: Redemption option after 36 months, subject to company approval
- Use of Funds: Direct deployment into small business funding opportunities.
Who can invest?
Only accredited investors as defined under Regulation D, Rule 501(a) of the SEC may invest. Verification and documentation are required as part of the subscription process.
What makes USA Funding different?
We act as strategic partners, not just underwriters. Our team prioritizes deep client relationships and storytelling, enabling better funding decisions for businesses. Our underwriting standards are stringent, and investor reporting is transparent and reliable.
How do I get updates on my investment?
Investors receive annual unaudited financial statements. We also provide a user-friendly portal for tracking distributions and accessing important documents.
Are there any legal or compliance notes?
This offering is made under Regulation D, Rule 506(c) and is exempt from SEC registration. The securities are restricted and not publicly traded. Legal and compliance clearance is thoroughly conducted for all campaign language and operations.
Not a Loan. Not Speculation. A Structured, Receivables-Backed Opportunity.
Trade the Volatility for Predictability
This isn’t a fund of loans, crypto, or early-stage startups. It’s an investment model grounded in factoring—a process where USA Funding purchases commercial receivables and manages the full payment cycle.
We underwrite every opportunity. We manage collections. We monitor risk. And you earn income through structured participation in that ecosystem.It’s a model that institutions have used for decades.
Now, it’s available to you.