David is the Serial Entrepreneur, CEO and founder of eProdigy, a holding company with several subsidiaries in the alternative funding industry.

Prior to forming eProdigy, he served as the President and CEO of Capital Stack LLC and ACH Capital LLC, with both companies now falling under the eProdigy umbrella. David was a financial consultant servicing early stage, high growth companies before entering the MCA industry.


As the CFO of eProdigy, Steve brings over 20 years of financial executive experience to the team. Steve was the CFO of the IDT Corporation from 1995-2009, where he oversaw the financial aspects of it’s IPO, and served on the Board of Directors. Steve founded and was the CEO of IDT Entertainment a subsidiary, which was sold for $500m during his tenure as CFO of the parent.

A partner in Brown, Brown and Associates, a tax and accounting firm; and a member of the Academy of Television Arts & Sciences.

Anna joined eProdigy as its General Counsel in 2014, bringing wide-ranging MCA industry experience to the team. She is also the principal and founder of the The Rubin Law Firm, PLLC, which represents numerous alternative funding companies.

A former prosecutor, Anna served as an Assistant District Attorney for the Kings County District Attorney’s Office from 2007-2011. She is a graduate of the Benjamin N. Cardozo School of Law and is a member of the New York State Bar and is admitted to practice in the United States District Courts for the Southern and Eastern Districts of New York.

Marcella joined eProdigy’s legal team in 2014, following her graduation from Pennsylvania State University Dickinson School of Law, where she focused on Transactional Law.

Her expertise is in International Law, with an emphasis on Commercial Litigation and Arbitration. She is currently admitted to the New Jersey Bar and is awaiting admittance in New York.

As our Sales Director, Michael brings his extensive experience in sales and portfolio management to eProdigy, and works with our internal funding specialists to finalize client deals. He provides detailed analysis on a deal to deal basis for each account, ensuring our clients receive the top notch service they have come to expect from us.

A graduate of Rutgers University with a Finance Major and Statistics Minor, his experience includes business development, managing ACH Products, Merchant Cash Advances, data mining, risk management and integrated marketing strategies. Michael and his team work diligently to connect our clients with various funding options they need to grow their businesses.

With over fourteen years in the alternative funding industry, Brian oversees the day to day operations at eProdigy; managing distribution channels, internal systems, internal and external sales. He most recently served as the director of business development at Next Wave Funding. Prior to entering the alternative lending space, Brian was a Principal in a large financial and estate planning firm in the Philadelphia area.

Minghe Hu is eProdigy’s Data Analyst-Statistician and joined the company in 2014. He specializes in building statistical models to assess the viability of our potential clients.

Prior to joining eProdigy, he worked at Merrill Lynch as a Research Analyst, formulating investment and trading strategies. He received his BS from the University of Miami with a double major in Finance and Statistics, and is currently pursuing his MS in Applied Statistics at Fordham University.

Joining us from Next Wave Funding, Tim serves as our Business Development Manager, and oversees our day to day partner relations activities-including the expansion of our affiliate program and product offerings. A graduate of Chestnut Hill college, he brings several years of financial services and business development experience to eProdigy.

eProdigy’s Business Services Manager, Raymond Richardson brings over 20 years of financial industry experience to the company, working directly with our ISOs on day to day operations.

Raymond holds an MBA in Business Administration / Finance from Kaplan University, and his background includes work as a Senior Investment Consultant with Citigroup and Prudential Securities. He now brings this vast experience to the alternative funding industry and ensures that our ISOs have all of the tools they need to bring in successful deals.



Driven by superior technology, eProdigy works with all facets of the alternative finance industry to provide our clients with comprehensive business funding and servicing solutions. A proven leader in the merchant cash advance space, we also offer small business loans, a front and back end software solution, automated underwriting, and ACH processing.

Headquartered in New York City’s Financial District, our companies – Capital Stack, ACH Capital, eProdigyACH DBA ACHBanking, eProdigy Loans, 1Workforce, and Daily Funder provide our clients, funders, merchants and syndicate partners with a comprehensive suite of options for small and mid sized businesses.


David Rubin

Anna Rubin, Esq
General Counsel

Stephen Brown

Brian Stulman
Executive Vice President

Marcella Rabinovich, Esq
Law Clerk

Raymond Richardson
Relationship Manager

Minghe Hu
Data Analyst – Statistician

Tim Derstein
Business Development Manager

Michael Vinokur
Director Of Sales


Products and services offered by eProdigy:

Merchant Cash Advance
Small Business Loans
ACH Processing
Funder/Lender Servicing Platform
Automated Underwriting Engine
Full CRM Solution

eProdigy Subsidiaries


Founders of the starter ACH Program and an early innovator in the Merchant Cash Advance space, eProdigy has expanded its service offerings to include products for every facet of the industry. We have grown from our original platform to become a full service provider in the field with the ability to fund and service deals from any business.

Our subsidiaries – Capital Stack, eProdigyACH DBA ACHBanking, and eProdigy Loans – provide small and mid-sized business owners, ISOs, syndicates, and brokers with technology-driven services that give them the edge in managing portfolios.

1workforce logo

1Workforce is a Cloud-based web platform that provides ISOs, merchants, and funders with the only solution they need to underwrite, syndicate, fund, and process payments. Our reporting includes daily transactions, correlation, funding, analytics and much more.

For Merchants: 1Workforce offers a five-minute, three-step, paperless application process that can deliver a decision in less than five minutes, allowing for business funding on the same day as approval. Merchants can use 1Workforce to view daily remittances and show remaining balances on their advances, notifications on eligibility for renewal, available cash and detailed payment processing information.

For ISOs/Brokers: 1Workforce offers a fast, one-stop solution to get their deals funded and track renewals. We connect to over 13,000 banks, and collect aggregated data from sources including Authorize.net, Thomson Reuters, Klout, Yext, Yelp, Infogroup USA, PayPal, Quickbooks, Google Maps and Google Review. We offer a unique match system with trigger alerts for high volume applications to ensure against fraud. Fund with confidence, knowing that the 1Workforce system has taken thousands of metrics into account and has assessed the overall health of the business within minutes. We offer some of the highest commissions in the industry, and pay them and residuals daily.

Syndication: 1Workforce gives users the ability to syndicate one file with multiple partners, and allows for full transparency on all of your deals. Receive daily reports that detail remittances, track deals, percentages, repayments and performance, and learn about other available deals, with 24/7 access to your funding team.

Onboarding: 1Workforce provides underwriters with comprehensive onboarding system, giving them a full view of each merchant’s funding application. From DBA information to bank statements to daily ledgers, 1Workforce ensures that you have all the information you need to make a sound funding decision.

Alternative Finance Industry: We offer 1Workforce as a white label software solution to other organizations in the space seeking account servicing. Our technology-enabled financing options can be used to create branded accounts, documents, and contracts. Have your UCCs filed and terminated automatically using iLien. Manage daily reporting, repayment, syndication and remittances. 1Workforce is here to service the full life cycle of your deals, and you can rest assured that you have the ultimate solution to handle all of your needs.

We offer a large number of system integrations, including business software, social media measurements and reviews, giving you the comprehensive information you need to make a decision. Use our platform to find duplicate files, and bring in new customers using our voice recognition dialer and integrated email system.

ACH Capital

ACH Capital provides the alternative finance industry with a multitude of services designed to assist our partners with their deals from concept to completion. We can customize your portal to your specifications, and our service allows you to submit applications online, upload documents, set up processing splits and ACH debits, and manage syndicates.

We offer an integrated email system that can be used to contact merchants, ISOs and syndicates. Use ACH Capital to protect yourself from fraudulent applications, and rely on our collections department and legal team for any remittance issues.

This solution was created by MCA Professionals for MCA Professionals. We know the business, and know what funders need to work effectively.

achbanking logo

ACHBanking works with its partners to provide ACH and eCheck related products and servicing, allowing them to focus on their business. ACHBanking can provide your organization with multiple options to make your processing profitable, simple and secure.

We have the tools to provide our partners with outstanding fraud protection, and work diligently to ensure the integrity of each transaction. We regularly check account validity, and authenticate the identity of the account holder, to protect our clients

We offer our services to a variety of businesses, along with white label options to integrate into existing systems. We provide a customizable, user friendly reporting solution that can include detailed transaction records, payment and settlement information that can be accessed 24/7 via our web based portal. Our API allows for fast merchant onboarding, and our support staff provides friendly and reliable service should any trouble arise.

eProdigy Loans

Our latest financial product, eProdigy loans answers the needs of strong SMBs with a fast funding solution that offers longer terms, lower rates at a higher value than our Merchant Cash Advance offerings, with automated repayment options.

capitalstack logo

Our first class merchant cash advance service has kept small businesses moving forward during the economic recovery. We are able to work closely with merchants from nearly any industry, and provide superior service over the life of each deal.
Our experience and success in the industry is proven. As early innovators, advocates and drivers of the second generation ACH Bank Cash Flow Program in the alternative funding space, we created the starter ACH solution and have helped thousands of small businesses to obtain the working capital they need, and continue to do so today.

daily funder logo

The eyes, ears and voice of the alternative finance industry, the Daily Funder’s online forum and mobile app provides in depth information, news and trends, and gives insiders the ability to participate in this growing industry.

Our Partners

WithumSmith+Brown, PC
Certified Public Accountants
1411 Broadway
New York, NY 10018
Phone: 212-751-9100
Fax: 212-750-3262
Meir Kahtan Public Relations, LLC
The Bar Building
36 West 44th Street, Suite 301
New York, NY 10036
Phone: 212-575-8188
Legal Representation:
The Rubin Law Firm
11 Broadway, Suite 814
New York, NY 10004
Phone: 212-804-7012
Fax: 212-804-7013

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Our Address:
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New York, NY 10004