The Star Funding Underwriting Framework
Direct Balance Sheet Capital | Human-Led Decisions | $500k – $10M+ Capacity
Star Funding takes the time to gain a deep understanding of your business. We get to know your operations, supply chain, and customer base. This allows us to quickly provide tailored funding decisions to support your growing business.
Human Logic
We bypass algorithmic bias. Our senior committee evaluates the credit strength of your customers (Fortune 500s, government agencies, retailers, etc.), allowing us to fund startups and turnarounds that banks auto-reject. Our evaluation is often paired with credit insurance from the worlds top trade credit insurance providers. This gives STAR the confidence to not only fund your transactions, but also guarantee approved customer payments.
Direct Lender Speed
As a direct lender, we eliminate the “broker lag.” You work directly with the decision-makers in our New York office, ensuring a quick turnaround(often less than 24 hours) on term sheets without middleman fees.
Specialized Industry Underwriting
- Warehousing and Logistics: Bridging the “Retail Lag” for 3PL providers by accounting for seasonal volatility, staffing fluctuations, and port-side operational costs.
- Manufacturing & WIP: Providing production-phase capital for pre sold inventory before the final invoice is ever cut.
- Apparel & Wholesale: High-leverage PO financing to fulfill massive retailer orders without diluting equity.
- Consumer Products: Financing up to 100% of your cost of goods including duties and freight to make sure goods land at your customer on time.
Institutional Expertise, Partner Agility
We solve complex trade finance puzzles that require deep industry knowledge. Whether you are scaling a government contract or managing international supply chains, our human-led approach provides the leverage you need to win.