About us
SOS Capital
We value dreams, and we love to cement the best possible way for you to bring them to reality!

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SOS Capital was born out of two core values – ‘help’ and ‘enable,’ Our goal is to empower small businesses to embark on the cumbersome journey of getting fast and flexible funding from alternative, reliable and quick sources.

The company thrives on the chase to build long-lasting partnerships backed by transparent practices, customer-centric business terms, and the promise to deliver right-sized funding.

Our Mission

You dream, we build it for you! SOS Capital’s mission is to get small businesses their desired capital at the expected, and pre-defined terms. Small businesses are undoubtedly the backbone of the United States economy, representing over 45% of the GDP.  Regardless of such impressive contribution, the small businesses struggle to access funds to continued operations.
Our motto to come into this business can be reiterated by a single statement that over 75% of the small businesses face rejections when applied for credit.
And, we simply aim to change that with our:

Careers

At SOS Capital, we believe in doing great work as a team, nurturing professional growth, and recognizing quality efforts. We have a high sense of integrity and enjoy building creative solutions. Joining our team means youll work with an experienced, curious, and collaborative set of individuals. We welcome exceptional applicants from all backgrounds!

Become a part of the SOS Team!

1SOS Capital SOS Capital is an alternative finance provider dedicated to helping small businesses grow through fast and flexible financing solutions. We are a direct funder/lender for businesses seeking $10k-$1mm across a wide and evolving array of industries throughout the country. Launched in 2014, SOS Capital utilizes industry leading technology to build and continuously adapt our innovative applicant analysis process. We continue to build lasting partnerships through transparent practices, great terms, and right-sized funding amounts.
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2Junior Underwriter

The Role

SOS Capital has an immediate opening for a bright, hard-working individual to join our Underwriting team, which focuses on financial analysis, business valuation, and risk assessment as it pertains to small and mid-sized businesses. The candidate will have the opportunity to be an integral part of a growing team in a fast-paced, work environment.

Core Responsibilities

  • Assist in conducting due diligence on eligible deals:
    • In-depth merchant research
    • Bank statement and credit report analysis
    • Financial document review (e.g., P&Ls and balance sheets)
    • Risk assessment

Deal tracking and data entry

  • Collaborate with Processing department to manage incoming requests and deal operations

Key Requirements

  • 1+ years of accounting or financial analysis experience
  • Strong experience in Excel
  • Excellent attention to detail
  • Familiarity with alternative financing (MCA, Term Loans) preferred
  • Degree from a four-year university, preferably in Math, Accounting, or a related degree
  • Candidate must be willing to work in New York City

What We Value

  • Highly motivated, entrepreneurial, and team-oriented candidates with strong accounting, finance, and problem-solving skills
  • Strong combination of organization and interpersonal/communication skills
  • Keen interest in financial markets and good commercial instincts

SOS Capital is proud to be an Equal Opportunity Employer, and we encourage people from underrepresented backgrounds to apply. We do not discriminate based upon race, religion, color, national origin, genetic history, marital status, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, veteran status, disability, or other applicable legally protected characteristics.

3Director of Credit

The Role

SOS Capital has an immediate opening for a bright, hard-working individual to join our team as the Director of Credit to lead and maintain our valuation tool buildout. The ideal candidate will have had significant experience in Alternative Lending and a genuine interest in evolving macroeconomic trends. The candidate will have the opportunity to be an integral part of a growing team in a fast-paced, entrepreneurial work environment.

Core Responsibilities

  • Oversee foundational valuation processes
  • Collaborate with Leadership and Director of Underwriting to create streamlined underwriting tools, adjusting real-time to evolving markets
  • Develop and maintain efficient internal controls and business processes
  • Identify and help solve for critical valuation and reporting issues
  • Manage and perform special projects and analysis for firm leadership

Key Requirements

  • 6+ years of experience in alternative lending, with at least 2 years responsible for credit decision-making
  • Degree from a four-year university, preferably in Economics, Finance, Accounting, or a related degree.
  • Superior valuation, modeling, and Excel skills

What We Value

  • Highly motivated, entrepreneurial, and team-oriented candidates with strong accounting, finance, modeling, and problem-solving skills
  • Strong combination of organization and interpersonal/communication skills
  • Keen interest in the financial markets and good commercial instincts

SOS Capital is proud to be an Equal Opportunity Employer, and we encourage people from underrepresented backgrounds to apply. We do not discriminate based upon race, religion, color, national origin, genetic history, marital status, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, veteran status, disability, or other applicable legally protected characteristics.

4Senior Underwriter

The Role

SOS Capital has an immediate opening for a bright, hard-working individual to join our Underwriting team. The ideal candidate will have had experience in the Merchant Cash Advance industry and a genuine interest in evolving credit analysis. The candidate will have the opportunity to be an integral part of a growing team in a fast-paced, work environment.

Core Responsibilities

  • Perform due diligence on eligible deals, (e.g., valuation, credit review, financial document review, merchant research, risk assessment, review site inspections, etc.)
  • Conduct merchant interviews
  • Collaborate with Processing department to finalize contracts and interface with external partners
  • Collaborate with Business Development department to negotiate terms with key external business partnerships
  • Present pricing, stipulations, and terms within SOS Capital risk parameters for eligible deals; communicate funding offers to ISOs and/or merchants
  • Serve as a resource to junior underwriters regarding bank review, due diligence, stipulations, requirements, and pricing
  • Perform renewal outreach for eligible deals

Key Requirements

  • 2 – 4 years of underwriting experience in alternative financing (MCA, Term Loans)
  • Degree from a four-year university, preferably in Economics, Finance, Accounting, or a related degree.
  • Excellent valuation, modeling, and Excel skills
  • Candidate must be willing to work in New York City

What We Value

  • Highly motivated, entrepreneurial, and team-oriented candidates with strong accounting, finance, modeling, and problem-solving skills
  • Strong combination of organization and interpersonal/communication skills
  • Keen interest in financial markets and good commercial instincts

SOS Capital is proud to be an Equal Opportunity Employer, and we encourage people from underrepresented backgrounds to apply. We do not discriminate based upon race, religion, color, national origin, genetic history, marital status, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, veteran status, disability, or other applicable legally protected characteristics.

5Salesforce Manager

The Role

SOS Capital has an immediate opening for a bright, hard-working individual to join our team. The ideal candidate will have had Salesforce experience in Merchant Cash Advance or Fintech, excellent communication skills, and a knack for complex problem-solving. The candidate will have the opportunity to be an integral part of a growing team in a fast-paced, work environment.

Core Responsibilities

  • Design, develop, customize, and maintain CRM systems (including reports, dashboard, workflows, security, etc.)
  • Manage multiple user setups, profiles and roles, customization of objects, fields, record types, page layouts and validations
  • Make recommendations and design solutions that improve user experience, expand platform utilization, and align with the overall company strategy
  • Work with third-party vendors and Salesforce premier support to resolve issues
  • Develop reports and processes that monitor data quality and summarize key performance indicators
  • Perform regular internal system audits, report to leadership in a digestible fashion, and execute upgrades

Key Requirements

  • 3 – 5 years of Salesforce Development experience, preferably in alternative finance and/or Fintech
  • Experience with full-project lifecycle implementations, as well as the integration of Salesforce with other enterprise systems, data extensions and/or analytics
  • Ability to design, code, test, debug, package, and deploy quality, scalable, and well-documented solutions on the Salesforce platform
  • Knowledge of the following technical concepts – data management, data security, business workflow, data retention, and business requirements
  • Working proficiency in Apple products
  • Degree from a four-year university in Computer Science, Computer Engineering, Information Systems, or a related technical field
  • Salesforce Certification(s)
  • Candidate must be willing to work in our New York City office

What We Value

  • Highly motivated, entrepreneurial, and team-oriented candidates with strong organizational, time management, and problem-solving skills
  • Excellent ability to communicate across all technical levels and with all users in the company

SOS Capital is proud to be an Equal Opportunity Employer, and we encourage people from underrepresented backgrounds to apply. We do not discriminate based upon race, religion, color, national origin, genetic history, marital status, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, veteran status, disability, or other applicable legally protected characteristics.

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