About FAKSJO INC

The Direct Lender Built for the Gaps Banks Leave Behind

We exist because millions of legitimate, growing businesses get turned away by traditional banks every year — not because they aren't creditworthy, but because they don't fit the mold. FAKSJO INC was built to fund them.

Our Mission

Capital Should Flow to Where It Creates the Most Value

The American banking system was not designed for the speed, flexibility, or risk appetite that growing businesses require. FAKSJO INC was. We are a direct lender — meaning we underwrite, fund, and service every loan ourselves, with no brokers, no third-party approvals, and no unnecessary delays.

Our underwriting philosophy centers on what a business is actually doing — its revenue trends, cash flow patterns, and growth trajectory — rather than relying solely on historical credit scores that fail to capture the full picture of a thriving business.

The result: faster decisions, more approvals, and a funding partner that is genuinely invested in your success.

Start Your Application

2015

Founded — serving businesses
across the United States

Our Story

Built on a Simple Observation

FAKSJO INC was founded after witnessing firsthand how capable, revenue-generating businesses were being declined by traditional lenders — not due to poor performance, but due to systemic rigidity. Businesses in seasonal industries, high-growth sectors, and non-traditional verticals were being left without capital not because the money wasn't available, but because the mechanisms to deliver it weren't.

We built FAKSJO INC to change that. By combining disciplined underwriting with a direct-lending model, we can evaluate businesses on the full breadth of their financial picture and deliver capital in a fraction of the time it takes a conventional bank.

Today, FAKSJO INC has deployed over $500 million in capital to businesses across dozens of industries — and we're just getting started.

$500M+

Capital Deployed

10,000+

Businesses Funded

95%

Approval Rate

<24h

Avg. Funding Time

What We Stand For

Our Core Values

Transparency

No hidden fees, no surprise costs, no fine print designed to confuse. Every term is explained in plain language before you sign anything.

Speed

Business moves fast. Our decisions and funding timelines reflect that reality — not the calendar of a slow-moving institution.

Fairness

We evaluate the full picture of your business, not just a three-digit score. Every application gets a complete, human review.

Integrity

We only recommend funding structures that genuinely serve your business goals. Our success is measured by yours.

Partnership

You get a dedicated funding advisor — a real person who understands your business and remains your point of contact throughout.

Results

We measure ourselves by the outcomes our clients achieve with the capital we provide. Your growth is our purpose.

Ready to Work Together?

Let's Find Your Funding Solution

Our team of dedicated funding advisors is ready to review your application and structure a solution that works for your business.