Working Capital
$25K to $1MCash for day-to-day needs, repaid on a fixed schedule. Cover payroll, stock up on inventory, or bridge a slow season.
Direct business lender
Direct funding for your business, up to $5,000,000
Cap Capital lends its own capital. No brokers, no middlemen, no shopping your file around. Our team reviews your application, makes the decision, and funds your loan.
- $5M
- Maximum funding for a single business
- Direct
- You deal with the lender, never a broker
- In-house
- Underwriting, approval and funding by one team
Why a direct lender
One lender, start to finish
A broker passes your application to other lenders. Cap Capital is the lender, so the people you talk to are the people who decide and fund.
| Through a broker | With Cap Capital | |
|---|---|---|
| Who decides | An outside lender the broker places you with | Our own underwriters review and approve your loan |
| Your information | Often sent to several lenders at once | Stays with one lender |
| Added costs | Broker fees can be built into your loan | No broker fees, because there is no broker |
| Point of contact | Changes as your file moves between companies | One team from application to funding |
| Timeline | Set by whichever lender picks up your file | We run every step, so nothing waits on a third party |
Loan programs
Financing from $25,000 to $5,000,000
Each program is built for a different need. Programs that fund your amount are highlighted.
Business Line of Credit
$25K to $500KDraw what you need, repay it, and draw again. You only pay on the amount you use.
Equipment Financing
$50K to $2.5MThe equipment secures the loan, so you can buy what you need and keep your cash in the business.
Receivables Financing
$50K to $3MGet cash for unpaid invoices now instead of waiting 30, 60 or 90 days for customers to pay.
Term Loans
$100K to $5MA lump sum with predictable payments for bigger moves: opening a location, buying a competitor, or refinancing debt.
Commercial Real Estate Bridge
$250K to $5MShort-term financing to close on a property quickly while you arrange long-term financing.
How it works
From application to funds in your account
Apply
Tell us about your business and how much you need. The application is short, and applying is free.
Review
A Cap Capital underwriter reviews your file directly and asks for any documents we need.
Offer
You get a clear offer showing the amount, term and payment. Nothing is final until you sign.
Funding
Once you sign, we wire the funds straight to your business bank account.
Who we fund
Established businesses across industries
We lend to operating businesses of many kinds. If your industry isn't listed, apply anyway. We review every application.
- Construction & trades
- Healthcare & medical practices
- Manufacturing
- Transportation & logistics
- Restaurants & hospitality
- Retail & e-commerce
- Real estate investors
- Professional services
- Wholesale & distribution
- Auto dealers & repair
Apply
Request funding
Tell us what you need. A Cap Capital funding specialist will contact you to go over your options.
- Free to apply
- No obligation to accept an offer
- Your information stays with Cap Capital
Prefer to talk? Call (800) 555-0199 or email funding@capcapital.com
Request received
Thank you.
A funding specialist will reach out to discuss your options.
Are you a broker?
No. Cap Capital is a direct lender. We fund loans with our own capital, and our own team handles underwriting, approval and funding.
How much can my business borrow?
We fund from $25,000 up to $5,000,000. The amount you qualify for depends on your revenue, cash flow, time in business, and the program you choose.
What documents will I need?
Most applications start with recent business bank statements and basic information about the business and its owners. Larger loans may also need tax returns, financial statements, or details on collateral. Your specialist will tell you exactly what's needed.
How quickly can I get funded?
Because we handle every step ourselves, there's no waiting on an outside lender. Timing depends on the program and loan size. Your specialist will give you a timeline once we review your application.
What can I use the funds for?
Almost any business purpose: working capital, equipment, inventory, expansion, real estate, acquisitions, or refinancing existing debt.
Am I obligated to accept an offer?
No. Applying is free, and you can review your offer before deciding. Nothing is final until you sign.