We Invest in people. Cumulus Funding is proud to be the first true human capital finance company in the United States and believes American workers deserve a financial partner aligned with their interests. Cumulus Funding provides American workers access to capital that traditional lending institutions either can’t or won’t. Unlike a bank or traditional lender, our interests are completely aligned with yours. Instead of burdening our customers with additional debt in the form of a loan, we make investments in those individuals. We provide funds today in exchange for a percentage of your future earnings. In other words, your future payments aren't fixed, and vary based on your earnings. If your salary or wages go down or cease completely for some time, your payments to Cumulus shrink as well, and can even go to zero if you find yourself unemployed. We believe the American worker deserves access to capital. Our financial product is designed to be easy to understand, and to align our interests with yours. It is our mission to be a better financial partner for hard-working individuals.