Small businesses borrow better together

Commercial Finance Partnership was built to give merchant communities the standing that individual businesses are often denied.

Our mission

Why we exist

Traditional lenders ask small businesses for collateral, long credit histories, and paperwork that a sole proprietor rarely has on hand. The result is a funding gap that falls hardest on the newest and smallest merchants.

Commercial Finance Partnership closes that gap with a simple idea: a group of verified businesses, jointly accountable, attracts investor capital that no one of them could raise alone. We provide the verification rails, the underwriting, and the distribution infrastructure that make group investment work.

We are a private company operating under U.S. and international financial regulation. We are not a government program and hold no public funds.

Small business owners meeting

12,480

Merchants onboarded

$86.5M

Capital deployed

9

Avg. days to decision

52

Countries supported

Principles

What guides our underwriting

Access over collateral

Creditworthy businesses are turned away every day for lack of assets to pledge. Group guarantees and verification replace that barrier.

One standard for everyone

Every member of every group clears the same document and identity checks. No exceptions, no side deals.

Shared accountability

Groups succeed together. Reserve contributions and mutual guarantees keep short-term stumbles from becoming defaults.

Transparent pricing

You see the full cost of credit — rate, fees, total repayment — before you accept anything.

Team

Who's behind Commercial Finance Partnership

RB

Renée Baptiste

Chief Executive Officer

Former community-development banker. Spent a decade underwriting small-business loans in underserved markets.

OH

Omar Haddad

Chief Risk Officer

Built credit-risk models at two national lenders. Leads underwriting, fraud, and portfolio monitoring.

GL

Grace Lin

Head of Compliance

Certified anti-money-laundering specialist. Owns the BSA/AML program and regulator relationships.

DO

Daniel Okafor

Head of Engineering

Payments and identity infrastructure. Previously scaled a KYC platform to 40 million verifications.

Compliance program aligned with U.S. federal frameworks

SBA

Independent agency of

CFPB

Independent bureau within

FinCEN

Bureau of the

FDIC

Independent agency created

IRS

Bureau of the

Treasury

Executive department of

Commercial Finance Partnership is not a government agency and is not endorsed by any agency shown. Read our compliance overview