RB
Ray Bishop
Co-Founder & CEO
Former commercial lending director who got tired of saying no to good businesses. Spent 12 years inside big banks before building the lender he wished existed.
We Fund the People Who Build It.
Ironclad Funding was forged on a simple belief: the businesses that pour the concrete, drive the trucks, and serve the meals shouldn't wait six weeks for a banker to say no.
Our Story
Forged in 2014. Tempered Ever Since.
Our founders spent a decade inside big banks watching good businesses get rejected over rigid checklists. A profitable HVAC company turned away because it was 11 months old. A trucking outfit denied because its credit score sat at 612. Real revenue, real demand — and a hard no.
So in 2014 they built something different: a lender that reads cash flow, not just credit reports, and moves at the speed business actually runs. Ten years and over a billion dollars later, we've funded more than 10,000 businesses across every blue-collar trade in America.
We're not the cheapest. We're the fastest, the straightest, and the ones who pick up the phone. That's why 90% of our clients come back.
10
Years funding the backbone economy.
From a two-desk office to a billion in capital deployed — built on speed, straight talk, and showing up.
Mission & Values
Built on Four Hard Truths.
Speed without integrity is just recklessness. These principles hold the whole operation together.
Speed Is Respect
Your time is your margin. We give real answers in 24–48 hours because a slow "maybe" can cost you the contract.
No Fine-Print Games
Every fee, rate, and term is on the table before you sign. No surprise charges, no balloon traps, no nonsense.
Real Humans, Real Decisions
You get a dedicated specialist who knows your name and your trade — not a chatbot and a rejection letter.
We Bet on Operators
We look at what you actually do, not just a score. Cash flow, momentum, and grit count for more here.
Grow Together
When you renew and re-up, you've earned better terms. Our 22% referral rate is the proof the model works.
Steel-Solid Security
Bank-grade 256-bit encryption protects your data at every step. We treat your information like our own vault.
By the Numbers
The Receipts.
$1B+
Capital Deployed
10K+
Businesses Served
95%
Funded in 48 Hrs
90%
Renewal Rate
22%
Referral Rate
Leadership
The Crew Running the Floor.
Bankers, builders, and underwriters who've been on both sides of the table.
LV
Lena Vásquez
Co-Founder & COO
Operations engineer who built our 24-hour underwriting pipeline. If a decision takes longer than two days, she wants to know why.
DO
Darnell Okafor
Chief Credit Officer
Two decades in risk and credit. Believes a balance sheet tells a story numbers alone can't — and that grit belongs in the model.
SK
Sarah Klein
VP, Client Success
Leads the specialist team that owners actually call by first name. The reason our renewal rate sits at 90%.
Milestones
How We Got Here.
A decade of pouring foundations for businesses that needed a faster yes.
2014
The First Yes
Ironclad opens with two desks and a mission: read cash flow, not red tape. We fund our first 40 businesses.
2017
$100M Deployed
We cross a hundred million in funding and launch our same-day funding program for qualified clients.
2020
Standing By Operators
When the world shut down, we kept lending — bridging payroll and inventory for thousands of small businesses.
2022
Seven Products, One Application
We unify every funding product behind a single 5-minute application and a dedicated specialist for each client.
2025
$1 Billion & 10,000 Businesses
We pass a billion dollars deployed across all 50 states, with a 90% renewal rate to prove the model.
Ready to Be Our Next Yes?
Apply in 5 minutes. No hard credit check. Real answers in 24–48 hours.