🏅 2025 Lender Overview

The Hedaya Capital Group is a family-owned specialty finance company headquartered in New York City’s Garment District, providing accounts receivable factoring and working capital solutions to small and mid-size businesses across a range of industries. Founded in 2003, The Hedaya Capital Group has built its platform on the premise that flexible, relationship-driven financing can unlock growth for companies that don’t fit the bank credit model. The firm was co-founded by Alfred Hedaya and Jack Hedaya, and operates with a lean, principal-accessible team that underwrites each deal on the quality of the borrower’s receivables rather than credit history or financial statement depth. The Hedaya Capital Group funds on viable accounts receivable without requiring tax returns, business plans, or credit scores — a deliberate positioning against bank lending that allows them to serve early-stage, seasonal, and transitional businesses that traditional lenders won’t touch. In the verified 2025 deal log, The Hedaya Capital Group closes seven factoring facilities across energy services, apparel, IT staffing, winter sports gear, consumer electronics, men’s streetwear, and pet products — a sector breadth that reflects the firm’s core underwriting philosophy: if the receivable is good, the industry is largely irrelevant.

• Headquarters: New York, New York (240 W. 35th Street — Garment District)
• Founded: 2003
• Ownership: Privately held; family-owned and operated (Alfred Hedaya and Jack Hedaya, co-founders)
• Primary Focus: Accounts receivable factoring, inventory financing, purchase order finance, letters of credit; small and mid-size businesses
• Typical Deal Size: ~$1,750,000 (across all 7 deals); ~$2,041,667 (across 6 deals with disclosed amounts)

Tale of the Tape

• Deals Logged: 7
• Volume Drafted: $12,250,000 (6 deals with disclosed amounts; 1 deal amount undisclosed)
• Primary Asset Focus: Accounts receivable (6) | Accounts receivable + inventory (1)
• Most Common Loan Term: [Data not provided — all 7 deals undisclosed]
• Primary Loan Type: Factoring Facility (5) | Accounts Receivable Financing (1) | Factoring and Inventory Financing Facility (1)
• Top States: New York (4), Maryland (1), Texas (1), Utah (1)

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2025 PERFORMANCE SUMMARY

The Hedaya Capital Group logged 7 deals totaling $12,250,000 in verified capital deployed during the period covered, with one deal carrying no disclosed amount. Every transaction is a sole-lender position — no co-lenders, no syndication, no institutional partners. The Hedaya Capital Group is the only decision-maker on every deal in the log, which means approval speed and underwriting flexibility are genuine differentiators, not marketing claims.

Deal flow clusters at the bookends of the year. Two deals close in March, one in April, then activity pauses entirely for five months before resuming with one deal each in October, November, and December — with two closing in December alone. The mid-year gap is significant. The Hedaya Capital Group’s 2025 calendar suggests a pattern tied to borrower fiscal cycles and seasonal inventory needs rather than a steady origination drum.

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DEAL FLOW ANALYSIS

• Deal Size Range: Disclosed deal sizes range from $750,000 (Texas IT staffing factoring facility) to $3,500,000 (men’s streetwear and the consumer electronics factoring facilities, both in New York). The sweet spot is $1M–$3.5M. There are no sub-$500K deals and no deals above $3.5M in this sample.
• Geographic Focus: New York leads with four deals, all in or attributed to New York City. Maryland, Texas, and Utah each contribute one. The New York concentration is not surprising given the firm’s Garment District headquarters and historical roots in apparel and consumer goods. The Texas and Utah deals represent geographic reach outside the home market — both driven by borrower referral rather than local origination.
• Industry Patterns: Apparel and consumer goods dominate with four deals — women’s knitwear, men’s streetwear, winter sports handwear, and consumer electronics. Technology and services add two — IT staffing and energy efficiency services. Pet products rounds out the log. The apparel concentration reflects The Hedaya Capital Group’s founding industry and senior advisor network. The non-apparel deals are newer territory.
• Loan Structures: Five of seven deals are straightforward factoring facilities. One is an accounts receivable financing arrangement. One combines factoring with inventory financing — the consumer electronics deal in March, which includes inventory as collateral alongside receivables. The inventory component is notable; most small-balance factoring shops don’t add inventory financing. It signals The Hedaya Capital Group’s willingness to go slightly further up the capital structure when the deal warrants it.
• Deal Purposes: Working capital support dominates — six of seven deals explicitly cite cash flow, operations funding, or vendor payments as the primary purpose. The handwear company in Utah is the most specific: funds were needed to release goods on schedule for the 2025 winter season and pay an overseas factory across 400 retailers in 12 countries. That’s purchase order pressure with a hard deadline, not just generic working capital.
• Specific Example: In October 2025, The Hedaya Capital Group closed a $1,000,000 factoring facility for a Utah-based handwear company designing and manufacturing sport gloves and mittens for winter sports — funding needed to pay an overseas factory and fulfill purchase orders from over 400 retailers across 12 countries for the 2025 winter season. The deal is instructive because it shows The Hedaya Capital Group stepping into an international supply chain at the exact moment of maximum pressure: pre-season, overseas factory payment due, retailer orders confirmed.
• Transaction Velocity: The 2025 deal log runs from March through December with a five-month gap between April and October. Two deals close in March and two in December, creating a visible early-year and year-end cluster. The Hedaya Capital Group is not closing one deal per month on a steady cadence — they close when borrowers arrive, and borrowers tend to arrive in waves tied to seasonal business cycles.

Strategic Insight

The Hedaya Capital Group’s deal log reveals a referral-dependent origination model operating through a small, named network. Louis Barone, identified as Senior Advisor, originates two of seven deals. Alfred Hedaya, co-founder, is named on one. David Huber, VP of Portfolio and Operations, sources the Texas IT staffing deal through a prior professional relationship with the borrower’s founder. The Mar 3W streetwear deal comes through Barone’s existing relationship with the founder. The knitwear company was referred by a former lender. This is not a marketing-driven business — every deal in the log traces to a person, not a funnel. That’s a strength in relationship stickiness: borrowers stay because they’re loyal to the individual who placed them. It’s also a concentration risk: The Hedaya Capital Group’s deal flow is as dependent on its senior advisors’ personal networks as it is on the firm’s brand. Growth requires either deepening those networks or adding new ones.

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IDEAL BORROWER PROFILE

The ideal borrower for The Hedaya Capital Group, based on verified 2025 activity, is a small or early-growth company — $500K to $5M in annual revenue, operating in apparel, consumer goods, services, or technology — with a reliable customer base that pays on Net 30 to Net 90 terms, creating a working capital gap the company can’t bridge through bank credit.

• Deal Size Range: $750,000 to $3,500,000 (sweet spot: $1M–$3.5M)
• Industries: Apparel and consumer goods (4), Technology and services (2), Pet products (1)
• Geography: New York (4), Maryland (1), Texas (1), Utah (1)
• Asset Types: Accounts receivable (6), Accounts receivable + inventory (1)
• Use Cases: Working capital and operations funding (6), Seasonal inventory / purchase order fulfillment (2)
• Loan Types: Factoring Facility (5), AR Financing (1), Factoring + Inventory Financing (1)

Competitive Positioning Insight

The Hedaya Capital Group occupies a slice of the small-business factoring market that institutional lenders structurally can’t serve. A $750,000 factoring facility for a Texas IT staffing firm is too small for any bank, too operationally intensive for most fintech platforms, and too relationship-dependent for a national factoring chain to handle profitably. The Hedaya Capital Group closes it because Alfred or Jack or Louis knows the borrower, understands the receivable quality, and doesn’t need a credit committee to approve it. That proximity is the product. Borrowers aren’t just buying capital — they’re buying direct access to the decision-maker. For a knitwear wholesaler navigating a concentrated fall/winter season, that matters more than rate.

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STRATEGIC INTELLIGENCE BY AUDIENCE

FOR BORROWERS

• Seasonal Timing as the Approval Window Signal: Two of seven deals involve borrowers with hard seasonal deadlines — the Utah handwear company needed funding before the 2025 winter season, and the knitwear wholesaler cited seasonal sales fluctuations explicitly. The Hedaya Capital Group has demonstrated comfort funding businesses where the receivable timeline aligns with seasonal inventory cycles.
• Action: If your business has a defined selling season — apparel, outdoor gear, holiday consumer goods — approach The Hedaya Capital Group at least six to eight weeks before your factory payment or purchase order deadline. Don’t arrive at the payment due date looking for same-week funding. Their process is fast, but the deal needs to be structured before the pressure hits.
• Timing: The Hedaya Capital Group’s deal log shows activity in March, April, October, November, and December — the periods that precede or align with spring/summer and fall/winter selling seasons. Submit in February for spring funding or in September for fall/holiday season funding.

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FOR BROKERS

• Named Advisor Network as the Referral Entry Point: Louis Barone originates two of seven deals in this log. The Texas IT staffing deal comes from a VP-level relationship at The Hedaya Capital Group. The knitwear deal comes from a former lender referral. The Hedaya Capital Group is not a direct-response business — it runs on relationship referrals. Brokers who formalize a referral arrangement with Alfred Hedaya or Louis Barone can access deal flow for small-business clients that no platform will otherwise serve.
• Action: Contact Alfred Hedaya directly to discuss a referral arrangement. The Hedaya Capital Group has a documented profit-sharing referral program for brokers and senior advisors. For a broker with a roster of small apparel, consumer goods, or services companies that need working capital, this is a natural placement relationship.
• Strategy: The Hedaya Capital Group’s sweet spot is $750K–$3.5M factoring facilities for companies with strong receivables but weak credit profiles. When a bank or larger factoring shop declines a small-business client on credit grounds, The Hedaya Capital Group is the referral. Position them as your sub-$5M factoring default for clients with receivable quality but no credit history.

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FOR RIVAL LENDERS

• Industry Diversification Beyond Apparel as a Competitive Opening: Four of seven deals in the log are apparel or consumer goods — The Hedaya Capital Group’s historical sweet spot. The Texas IT staffing and Maryland energy services deals are newer territory, sourced through relationship rather than sector expertise. Rivals with deeper IT staffing or energy services factoring experience can build earlier relationships with those borrower pools before The Hedaya Capital Group’s network expands into them.
• Action: Target IT staffing and energy services companies in the $1M–$5M revenue range with Net 60–90 receivables from large corporate or government customers. These companies have the same working capital gap that apparel companies do, but The Hedaya Capital Group’s origination network in those sectors is still thin. Be there before the referral reaches them.
• Defense: The Hedaya Capital Group’s primary competitive weapon is relationship proximity — borrowers deal directly with Alfred Hedaya, Jack Hedaya, or Louis Barone. National factoring platforms and fintech lenders can’t replicate that. If you’re competing against The Hedaya Capital Group on a specific deal, compete on rate and advance rate, not on service. Their relationship advantage on service is real and difficult to beat on a short timeline.

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FOR ANALYSTS & FUNDS

• Small-Balance Apparel Factoring as an Early-Stage Consumer Demand Signal: The Hedaya Capital Group’s 2025 apparel borrowers — women’s knitwear, men’s streetwear, winter sports handwear — are all operating in the sub-$5M revenue range, importing from Asia and selling to US retailers including off-price chains. When small importers need factoring to release goods and fulfill retailer purchase orders, it’s a signal that retailer demand for that product category is confirmed but importer cash flow is constrained — a structural dynamic, not a credit failure.
• Observation: The Mar 3W streetwear deal involves a company pivoting from mid-tier department stores to off-price retailers post-COVID — TJ Maxx and Burlington, not JC Penney. The Hedaya Capital Group funding that pivot signals continued strength in the off-price retail channel for small domestic apparel brands. That’s a category-level demand signal visible in small-balance factoring data before it appears in public retailer reports.
• Strategy: Analysts tracking small-business credit availability in seasonal consumer goods categories should treat small-balance factoring origination volume — from firms like The Hedaya Capital Group — as a leading indicator of Q4 inventory deployment for apparel and consumer products importers. An increase in factoring origination in Q3 predicts Q4 retail shelf activity. A drop in origination signals either demand weakness or supply chain disruption before either shows up in public data.