Cumulus Funding is to invest in the American worker. Many people in this country need access to funds for many different reasons. They recognize that in many cases, traditional banks and lenders are unwilling or unable to meet those individuals’ needs. When loans are available, they are made at terms that are extremely favorable to the banks — high and inflexible interest payments, multiple hidden fees and service charges, and often, a requirement that if you can’t make your payments the bank can come and take your personal assets that were pledged as collateral.