Quantum Lending Solutions Secures $400 Million to Expand AI-Powered Lending Infrastructure

Reston-based fintech startup will use the capital to scale its platform serving banks and tech companies in the small business credit market.

Quantum Lending Solutions, a Reston, Virginia-based financial technology company, has closed a $400 million financing round to fuel the growth of its AI-driven lending platform. The company provides infrastructure that helps banks, marketplaces, and technology platforms make better credit decisions and extend long-term financing to small and medium-sized businesses. The funding will support continued expansion as demand grows from financial institutions seeking responsible SMB lending capabilities.

Deal Structure

The $400 million transaction included multiple financing components:

• $250 million warehouse line — Initial commitment from a global asset-based private credit firm that led the round

• Corporate debt — Participation from Atlas SP Partners, a New York-based investment firm

• Equity investment — Participation from LL Funds, a Pennsylvania-based investment adviser

• Advisory services — Macquarie Capital advised Quantum on the financing

What Quantum Lending Does

The company operates an AI-based platform designed to serve financial institutions and technology companies:

• Helps banks, marketplaces, and tech platforms improve credit decision-making

• Enables partners to provide long-term credit to small and medium-sized businesses

• Recently rebuilt its platform specifically for AI-era capabilities

• Positions itself as a lending infrastructure rather than a direct lender

Company Background

Quantum Lending Solutions was formed two years ago through a three-way merger:

• Fundation — Financial technology company

• Camino Financial — Financial technology company

• Amount — Specifically the SMB operations team from this fintech firm

Growth Metrics Since Formation

The company has posted significant progress in the two years since its creation:

• Raised more than $50 million in equity capital

• Doubled originations volume

• Decreased losses by more than 50%

• Tripled lending capacity

Leadership Perspectives

Mickey Konson, CEO: Highlighted significant growth driven by demand from banks and technology platforms seeking responsible long-term credit solutions for their customers. Expects this trend to accelerate with the launch of the rebuilt AI-based platform.

Raj Mundy, LL Funds Partner and Quantum Board Chairman: Emphasized the team's success in rebuilding the company for the AI era while maintaining consistent growth. Expressed continued support for the company's mission to provide banks and platforms with scalable, responsible lending infrastructure.

Key Takeaways

• Substantial capital raise — $400 million positions Quantum for significant expansion

• Diversified funding structure — Mix of warehouse facility, debt, and equity provides flexible capital

• AI-first approach — Recently rebuilt platform signals commitment to technology leadership

• B2B focus — Serves banks and platforms rather than lending directly to end borrowers

• Strong momentum — Two years of growth metrics demonstrate execution capability

• Institutional backing — Support from established investment firms validates the business model