Lending Valley is a FinTech company specializing in providing revenue-based funding products to small businesses in the United States. Solving issues including transparency, payment restructuring, default manipulation, and access to capital. Lending Valley is a FinTech company specializing in providing revenue-based funding products to small businesses in the United States. The company solves issues including transparency, payment restructuring, default manipulation, and access to capital which are increasing problems in the alternative finance industry. By reintegrating technology to help clients better manage cash flow and outstanding debt, Lending Valley aims to enhance its internal process with better data accuracy, due diligence and decision-making. The company is profitable and looking to rapidly grow by raising capital to originate more deals and onboard clients through its product and portfolio diversification strategy. The company issues funding against a company's receivables. The pricing of the contract involves a factor rate and a duration for the payback. Since it is going off the merchant’s daily sales percentage, an estimated daily or weekly payment amount is applied. The payback fee is debited daily or weekly by ACH from the business's bank account. There is no tangible collateral required to obtain this funding. Currently, many players in this alternative lending space issue funding against a business's future receivables. Revenue-based Funding and Merchant Cash Advances are the most common terms to describe the product. The approach of other funders involves manipulating a confession of judgment to freeze a client's account once they have missed about two payments. To tackle this problem and help the merchants ease payments, Lending Valley uses a restructuring program to allow the client to adjust the payment one time to help their cash flow. Since these small businesses have higher churn rates, this method proved to be effective. This is done by offering to extend the payback duration,. Lending Valley has maintained an overall default rate of 8.5% on their book. The software also offers analytics and performance of a client’s bank account for managing cash flow.