Cumulus Funding

Cumulus Funding operates in the financial services sector, offering a unique product known as Income Share Agreements (ISAs). Unlike traditional loans, ISAs base repayment amounts on a percentage of the borrower's income, providing flexibility and security. This means if a client's income decreases, their payments also decrease, potentially to zero, offering a safety net during financial hardships. The company primarily serves individuals seeking an alternative to personal loans, particularly those who may face variable income streams. Cumulus Funding's business model revolves around building strong customer relationships and ensuring mutual success. The company makes money by receiving a percentage of the borrower's income over a set period, rather than charging fixed interest rates. This model aligns the company's success with the financial well-being of its clients, fostering a partnership rather than a creditor-debtor relationship.

Keywords: Income Share Agreements, flexible payments, financial services, variable income, customer relationships, alternative loans, mutual success, financial security, fintech, income-based repayment.