richFunding, Inc. is a capital advisory and funding firm dedicated to helping entrepreneurs, startups, and growing businesses secure the financial resources they need to scale.

Founded by Joseph Choi, richFunding brings decades of banking, lending, and business development experience to companies seeking strategic capital. With a background that includes leadership roles at major financial institutions and extensive experience in commercial lending and SBA banking, Joseph has spent his career helping business owners access the funding required to turn vision into reality.

At richFunding, the focus goes beyond simply arranging financing. The firm works closely with founders and management teams to evaluate opportunities, structure funding strategies, and support the long-term success of the companies it partners with.

Through strong relationships across the financial ecosystem—including private investors, lenders, and capital partners—richFunding helps connect promising ventures with the right funding solutions.

What We Do

richFunding supports businesses at various stages of growth by helping them:

• Raise capital for startups and emerging ventures
• Structure funding strategies for expansion
• Navigate lending and investment opportunities
• Build relationships with investors and capital partners
• Strengthen financial positioning for long-term growth

Our Philosophy

We believe access to capital is one of the most powerful tools for economic growth and community development. By helping entrepreneurs secure the resources they need, richFunding plays a role in building stronger businesses and stronger communities.

Our approach is relationship-driven, strategic, and focused on long-term success—not just transactions.

Leadership

Joseph Choi
Chairman & CEO, richFunding, Inc.

Joseph Choi is a seasoned banking and finance professional with more than two decades of experience in business development, commercial lending, and capital advisory. His career includes senior roles with financial institutions such as Wells Fargo, Union Bank, California Bank & Trust, and Commerce Bank.

As an SBA banking expert and community development advocate, Joseph has worked extensively with entrepreneurs, commercial real estate borrowers, and growing businesses throughout Southern California.

At richFunding, he continues that mission by helping companies access the capital and strategic support needed to scale and succeed.