Why we started abacus

Where we started

We started with two small funding businesses. Two operators juggling spreadsheets, chasing payments, and trying to stay on top of their portfolios the same way everyone else was — manually.

What struck us wasn't just the inefficiency. It was the gap between how small operators were forced to work and the polished, professional experience that larger players could offer their merchants. The big funds had custom software, branded portals, and automated workflows. Everyone else had Google Sheets and a lot of phone calls.

That didn't seem right. The funding industry is built on relationships and hustle, not who can afford a $50,000 software build. We believed the best operators should win on their ability to serve merchants well — not on their IT budget.

Leveling the playing field

abacus exists to give every funding operator — from a one-person shop to a growing team — the same tools and experience that the big players have. Better, actually.

When a merchant logs into your branded portal to check their balance and make a payment, they don't know if you're funding $5 million a year or $500 million. They just see a professional operation that has their information ready and makes their life easier.

That's the experience every funding operator should be able to offer. Not because they have deep pockets for custom development, but because abacus gives it to them out of the box.

We're not just building portfolio software. We're building the infrastructure that lets any funding operator run like a $100 million fund — with the visibility, automation, and professionalism that used to be reserved for the top tier.

A better ecosystem for everyone

When you can track your portfolio better, you give better service to your merchants. When your merchants have a better experience — clear information, easy payments, professional interactions — everyone wins. The whole ecosystem gets healthier.

That's what we're focused on: automation, simplification, and creating a genuinely good experience for operators and merchants alike.

Less time chasing spreadsheets means more time building relationships. Less friction for merchants means fewer problems and faster payments. Better tools mean better outcomes — for you and everyone you work with.

Where we are now

What started with two small businesses has slowly expanded to hundreds of funding operators using abacus to manage their portfolios, serve their merchants, and grow their businesses.

We've watched operators go from drowning in spreadsheets to knowing exactly where they stand at any moment. We've seen them offer their merchants a professional experience that builds trust and reduces friction. We've helped them catch problems early, collect faster, and spend less time on admin so they can focus on what they do best — funding deals and building relationships.

Every feature we build comes from this mission: simplify the funding experience, so any operator can compete with anyone.

The best operators should win. We're here to make sure the tools aren't what's holding you back.