3&1 Fund

3&1 Fund is a Phoenix, Arizona-based financial firm that provides debt-structured financing solutions collateralized by intellectual property for early and mid-stage companies. The lender operates as an alternative to traditional venture capital, allowing innovators across technology and hardware sectors to secure operational capital without diluting their ownership equity. To qualify for these specialized lending arrangements, target borrowers must possess valuable, unencumbered intellectual property portfolios and generate a minimum of $5 million in annual revenues. The firm typically processes large-scale funding requests ranging from $20 million to $150 million per transaction. In December 2023, the organization executed a notable $44 million debt financing partnership with its client Vita Inclinata Technologies, a developer of intelligent aerospace and lifting hardware. 3&1 Fund was founded by Brian Mosbey, who currently serves as the firm's president.