CapBanq connects small and mid-size businesses with flexible funding solutions — from merchant cash advances to SBA loans — with decisions in hours, not weeks.
Whether you need working capital today or long-term financing for expansion, we have a product that fits.
Access capital based on your future receivables. Flexible repayment tied to your daily revenue — when business slows, so do payments. Fast approval, minimal documentation, no collateral required.
Fixed repayment schedule with predictable monthly payments. Ideal for businesses with established revenue looking for longer-term capital at competitive rates.
A revolving credit facility you draw from as needed. Only pay interest on what you use — perfect for managing cash flow gaps, payroll, or unexpected expenses.
Small Business Administration guaranteed loans offer the lowest rates and longest terms available. Best suited for businesses with 2+ years of history and solid financials.
We've simplified business funding so you can stay focused on running your business.
Complete our 2-minute application. No hard credit pull. We collect basic business information and your desired funding amount.
⚡ 2 minutesProvide 3–6 months of business bank statements. Our team will review and reach out if anything additional is needed.
📄 Same dayReceive funding options tailored to your business profile. Your dedicated advisor walks you through the terms with zero pressure.
✅ Within 24 hrsSign your agreement and capital is deposited directly into your business bank account — often same-day or next morning.
💰 Same day possibleOur requirements are designed to be accessible — we evaluate your business holistically, not just your credit score.
Minimum 3 months operating. Some products require 6–12 months for better terms.
$10,000+ average monthly deposits for MCA. Higher thresholds for term loans and SBA.
Active US business checking account. We review statements to assess revenue consistency.
Registered US entity — LLC, sole proprietorship, S-Corp, C-Corp, or partnership.
Most businesses qualify for at least one of our products. Our advisors work with all credit profiles and business stages.
Start Your ApplicationWe work with businesses across all major industries. If your business generates revenue, we can likely help.
A merchant cash advance is not a loan — it's a purchase of your future receivables at a discount. There are no fixed monthly payments; repayment is tied to your daily revenue, so it flexes with your business. Loans have fixed terms and interest; MCAs use factor rates.
No. Our initial review uses a soft credit pull which does not affect your score. A hard pull is only performed if you proceed with a formal loan application for certain products like SBA loans.
For MCAs and lines of credit, same-day or next-business-day funding is common after approval. Term loans take 3–7 business days. SBA loans require 30–90 days due to the government guarantee process.
Yes. For MCA products, credit score is one of many factors — revenue consistency carries more weight. We've funded businesses with scores below 500. Better credit typically means better factor rates.
For an MCA: 4 months of business bank statements and a voided check. For term loans and SBA: additional tax returns, P&L statements, and business financial records may be required.
No prepayment penalties on any of our products. For MCAs, some agreements include early payoff discounts (EPO), meaning you can pay off early at a reduced balance.
Yes. We evaluate stacked positions on a case-by-case basis. If your revenue supports additional funding and your daily obligations are manageable, we can often structure a new advance alongside existing positions.
Most MCA products become eligible for renewal after 50% of the balance is paid. At that point, your advisor will reach out with renewal options — often at improved terms based on your repayment history.
Fill out the form and a CapBanq advisor will reach out within one business hour to discuss your options. No obligation, no hard credit pull.