Our Mission
At Kredik, we believe small businesses are the engines of economic growth and job creation. That’s why our mission is to empower entrepreneurs and business owners through fast, flexible funding solutions when traditional banks say no.
With merchant cash advances and loans tailored to each company’s needs, we aim to provide the capital business owners require to seize opportunities, expand operations and fuel success.
Through a streamlined application process and quick funding decisions, our clients have the power to act fast when chances arise. As advocates, we cut through red tape so owners can focus full-time on growing their ventures.
Transparency and guidance are core to our operations. Business owners never have to face challenges alone. At Kredik, fueling small business growth is our top priority.
revolutionary technology and educated team of experts, we support business owners ability to create new opportunities. kredik is proud to empower the heartbeat of our country, our small businesses.
Our Vision
Our vision is to become a $1 billion company by 2030 by being the preferred funding partner for entrepreneurs as they launch and scale startups into the next generation of job-creating companies.
Kredik Story
As an entrepreneur, Joseph Stone had always dreamed big. Over the years, he had launched five bold ventures—each one pushing boundaries and aiming to disrupt entire industries. But like many visionary founders, not every idea could find its footing. After weathering five business failures across diverse sectors, Joseph was discouraged but not defeated.
He began reflecting on his own journey and the underlying challenges faced by so many daring entrepreneurs. “Even the most well-researched concepts need some luck or perfect timing to click,” Joseph recalls. “I also saw firsthand how difficult traditional financing could be for disruptors or those targeting niche markets.”
It was then the proverbial lightbulb ignited—what if he applied his decade of startup experience to help others avoid similar pitfalls? What if there was an alternative resource focused solely on fueling innovators rather than mitigating risk?
These insights sparked the founding of Kredik in 2020. With a mission to empower founders at every stage of building their dreams, Joseph set out to create a new model for flexible funding. One that prioritized guidance over gatekeeping and collaboration over compliance.
Today, Kredik has helped thousands of entrepreneurs secure over $100 million in working capital to bring breakthrough products to life, launch into new territories and seize time-sensitive opportunities. By adapting offerings based on direct client insights, Joseph ensures every business has the capital they need to chart their own course.
Through it all, Joseph’s own journey has come full circle—what once began out of frustration has evolved into a lifelong purpose of championing others. By supporting founders from all walks of life, Kredik is helping write the next chapter of innovation in America.