Built by operators.
Powerhouse Funding is a direct small-business lender. We underwrite in-house, fund from our own balance sheet, and answer the phone when an owner calls.
Why we exist.
Most small businesses don't fail because the work was wrong. They fail because capital arrived late, in the wrong shape, or with terms that strangled the very thing it was supposed to fund. We've watched it happen. We've fixed it where we could. We started Powerhouse to fix it on purpose.
We're a direct lender. That means we underwrite, fund, and service every loan from our own balance sheet — no marketplaces, no broker handoffs, no syndication theater. Your file goes to a person, not a portal. That person makes the decision. That same person picks up when you call.
We fund term loans, lines of credit, and working capital from $25,000 to $5,000,000. We work with 40+ industries. We say no to deals we can't structure honestly, even when we could close them. The yes-or-no in 48 hours isn't a marketing line — it's the standard we hold ourselves to because operators don't have time to wait.
What we hold to.
No surprises.
What we quote is what you sign. Soft pull until you accept. No back-end fees.
Underwriter on the call.
The person who reviews your file is the person you speak with. From inquiry to funded.
Own the capital.
We lend our own money. Your file isn't shopped, sold, or syndicated.
Real timelines.
If we say 48 hours, it's 48 hours. If we can't fund a deal, we say so the day we know.