About Us | Citi Funder LLC — Florida Direct Lender

Who We Are

A Direct Lender That Actually Lends

Citi Funder LLC was founded with a single conviction: American businesses deserve access to capital without bureaucratic barriers, excessive wait times, or predatory terms.

Based in Sunny Isles Beach, Florida, we operate as a direct lender — meaning when you come to us for funding, you're working with the source. There are no brokers, no middlemen passing your information along to unknown third parties, and no unnecessary layers that slow down your access to capital.

We serve business owners across every industry and every state, from seasoned operators seeking expansion capital to newer businesses looking to stabilize their cash flow. Our approach is straightforward: understand your business, find the right funding structure, and deliver.

Our founder, Esther Naftali, built Citi Funder on personal service and professional integrity — values that permeate every transaction we complete.

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Our Foundation

The Values That Guide Us

Every funding decision we make is grounded in a commitment to fairness, transparency, and genuine partnership with the businesses we serve.

Transparency First

No hidden fees. No surprises. We present every offer with complete clarity so you can make informed decisions about your business's financial future.

Speed That Matters

Business opportunities don't wait. Our streamlined, in-house decisioning process delivers funding approvals in as little as 24 hours.

True Partnership

We're invested in your success. Our funding specialists take the time to understand your business before recommending any financial product.

Fair Terms

We structure financing that fits your cash flow and growth trajectory — not terms designed to benefit us at your expense.

Data Security

Your business and personal information is handled with the utmost care, protected by industry-standard security practices and strict privacy policies.

Nationwide Access

From Florida to California, we fund businesses in all 50 states, bringing the same level of service and commitment to every client we work with.

Leadership

Meet Our Founder

Esther Naftali

Founder & Managing Director, Citi Funder LLC

Esther Naftali founded Citi Funder LLC with a vision to bring accessible, honest business lending to entrepreneurs who deserve better than the status quo. With deep roots in the financial services industry and a commitment to personalized service, Esther leads every client relationship with the principle that funding should empower — not encumber — a business's growth.

Working directly from Sunny Isles Beach, Florida, Esther and her team serve clients coast to coast, providing the kind of attentive, relationship-driven funding support that larger institutions simply cannot offer.

esther@citifunder.com

Find Us

Our Location

Headquartered in the heart of Sunny Isles Beach, Florida — a hub for international business and financial services.

Citi Funder LLC — Headquarters

19390 Collins Ave
Sunny Isles Beach, FL 33160
United States