Skip to content
Caput Capital.

Small business funding and business loans

Banks saw a score. We see your business.

Credit challenges? That’s who we work with. Business credit, credit lines, asset-based and commercial loans from $100K to $140M. Every deal gets an answer within 24 hours.

Start My Funding RequestSee what we fund

No obligation to accept any offer.

  • 24 hour deal response
  • Nationwide
  • Debt through equity
  • Principal led execution

Find what fits your business.

What's the money for?

How much do you need?

250 thousand dollars

What fits

4 options fit your amount at $250K.

  1. 0% business credit1 (closest fit)

    Your business and banking profile. No docs, no tax returns.

    $100K to $250K

  2. Emergency lending

    No collateral. Paper based, like merchant cash advances.

    $100K to $1.2M

  3. Real estate programs

    Bridge, construction, fix and flip, DSCR and acquisition loans, backed by the property.

    Sized to the deal

  4. Business lines of credit

    Your business revenue.

    Based on business revenue

24 hour answer on every request.

10% refers to introductory rates that apply for a limited period, after which standard rates apply. Approval and limits depend on your business and banking profile.

Start My Funding Request

What we fund.

Five products. Open any row for what backs it and what owners use it for.

0% business credit (see note 1 below)$100K to $250KCredit built on your business and banking profile. No docs, no tax returns.
Engraving of a main street restaurant with a striped awning.
Backed by
Your business and banking profile. No docs, no tax returns.
Common uses
Marketing, hiring, inventory, equipment, expansion, rehab costs

See details on business credit

Business lines of creditBased on business revenueA revolving line sized to what your business brings in.
Engraving of warehouse racks stacked with inventory.
Backed by
Your business revenue.
Common uses
Payroll, cash gaps, inventory, slow seasons, long sales cycles

See details on Business lines of credit

Emergency lending$100K to $1.2MFast capital with no collateral, paper based like a merchant cash advance.
Engraving of a service workshop with a van parked out front.
Backed by
No collateral. Paper based, like merchant cash advances.
Common uses
Urgent cash needs, payroll, slow seasons

See details on Emergency lending

Asset based lending$500K to $25MLoans secured by what you own: property, equipment, fleets, aircraft.
Engraving of a warehouse, a truck and an excavator.
Backed by
Commercial and investor real estate, equipment, heavy machinery, fleets, aviation.
Common uses
Equipment, property, acquisitions, expansion

See details on Asset based lending

Commercial loans$5M to $140MLarge loans for commercial real estate, industrial buildings and stadiums.
Engraving of a building going up beside a tower crane.
Backed by
Commercial real estate, industrial and manufacturing buildings, stadiums.
Common uses
Property purchases, construction, large acquisitions

See details on Commercial loans

10% refers to introductory rates that apply for a limited period, after which standard rates apply. Approval and limits depend on your business and banking profile.

Real estate developersGround up constructionReal estate programs

Real estate, start to finish.

For investors, developers and sponsors. From a first fix and flip to a $140M commercial deal.

See real estate programsStart a property request

How a deal comes together.

A fix and flip, from purchase price to fully covered.

Fix and flip, $240,000 purchase

0% covered

$0 funded of $240,000

Fix and flip deal, step 1 of 5: A $240K property.
  1. The propertyNothing funded yet$240,000
    The property, $240,000, nothing funded yet, not yet funded

$240,000

Purchase price

  1. A $240K property.
  2. The lender wants 20% down. That's $48K the investor doesn't have.
  3. We fund $40K of the gap.
  4. Business credit covers the rest of the gap, plus the rehab.
  5. 100% of the deal is covered.

1/5

  1. Step 1

    A $240K property.

    $240,000

    Purchase price

    Fix and flip, $240,000 purchase

    0% covered

    $0 funded of $240,000

    Fix and flip deal, step 1 of 5: A $240K property.
    1. The propertyNothing funded yet$240,000
      The property, $240,000, nothing funded yet, not yet funded

  2. Step 2

    The lender wants 20% down. That's $48K the investor doesn't have.

    $48,000

    Down payment the investor is missing

    Fix and flip, $240,000 purchase

    80% covered

    $192,000 funded of $240,000

    Fix and flip deal, step 2 of 5: The lender wants 20% down. That's $48K the investor doesn't have.
    1. Down payment missingThe 20% the lender wants first$48,000
      Down payment missing, $48,000, gap, not yet covered
    2. Lender's loanSenior debt, 80% of the purchase$192,000
      Lender's loan, senior debt, $192,000, in place

  3. Step 3

    We fund $40K of the gap.

    $40,000

    Gap funding from us

    Fix and flip, $240,000 purchase

    97% covered

    $232,000 funded of $240,000

    Fix and flip deal, step 3 of 5: We fund $40K of the gap.
    1. Still missingThe rest of the down payment$8,000
      Still missing, $8,000, gap, not yet covered
    2. Gap funding from usCovers most of the down payment$40,000
      Gap funding from us, $40,000, in place
    3. Lender's loanSenior debt, 80% of the purchase$192,000
      Lender's loan, senior debt, $192,000, in place

  4. Step 4

    Business credit covers the rest of the gap, plus the rehab.

    $8,000

    Rest of the gap on business credit, with the rehab on top

    Fix and flip, $240,000 purchase

    100% covered

    $240,000 funded of $240,000

    Fix and flip deal, step 4 of 5: Business credit covers the rest of the gap, plus the rehab.
    1. Rehab budgetAlso on business creditPlus rehab
      Rehab budget, on business credit, in place
    2. Business creditCovers the rest of the down payment$8,000
      Business credit, $8,000, in place
    3. Gap funding from usCovers most of the down payment$40,000
      Gap funding from us, $40,000, in place
    4. Lender's loanSenior debt, 80% of the purchase$192,000
      Lender's loan, senior debt, $192,000, in place

  5. Step 5

    100% of the deal is covered.

    100%

    The lender funds the project, the investor gets the money, and work starts.

    Fix and flip, $240,000 purchase

    100% covered

    $240,000 funded of $240,000

    Fix and flip deal, step 5 of 5: 100% of the deal is covered.
    1. Rehab budgetAlso on business creditPlus rehab
      Rehab budget, on business credit, covered
    2. Business creditCovers the rest of the down payment$8,000
      Business credit, $8,000, covered
    3. Gap funding from usCovers most of the down payment$40,000
      Gap funding from us, $40,000, covered
    4. Lender's loanSenior debt, 80% of the purchase$192,000
      Lender's loan, senior debt, $192,000, covered

Two more deals

Needs $100K for ads and new kitchen staff.

Before

Restaurant franchisee, before
  1. Ads and kitchen staff$100,000
    Ads and kitchen staff, $100,000, gap, not yet covered

After

Restaurant franchisee, after
  1. 0% business credit1$100,000
    0% business credit, see note 1, $100,000, covered

Funded. Revenue doubles within six months while cash flow stays safe.

10% refers to introductory rates that apply for a limited period, after which standard rates apply. Approval and limits depend on your business and banking profile.

Illustrative examples, not guarantees. Every deal is underwritten on its own terms.

Every business runs on funding.

Restaurants

Typically funding kitchen staff and ads for a new location.

See what fits

From first call to funding.

  1. 1Intake

    We review your project, your profile and how much you need.

  2. 2Review

    Institutional underwriting and a feasibility check.

  3. 3Strategy

    We pick the right capital structure and the right lenders.

  4. 4Execution

    Lender outreach, term sheet negotiation, due diligence.

  5. 5Closing

    We coordinate through closing until the money lands.

Start My Funding Request

24 hour answer on every request.

A request at step two, for illustration

Example funding request: $250,000 for opening a new location, matched to business credit and emergency lending, in review, with an answer due within 24 hours.

Illustrative example.

What it costs, up front.

You'll see the full terms in writing before you sign anything.

$1,000admin fee
Paid on the back end at the time of funding. No application fee.
1% to 12%in points
Our fee, a percentage of the amount funded. Larger deals pay fewer points.
0% to 19%interest
Set by the lender, not by us. Most deals land between 6% and 12%. Real estate tends toward 6%, business funding toward 12%.

Short term

12 to 24 months

For immediate capital needs.

Long term

24 to 360 months

For larger and more complex deals.

Cashflow Heroes

Turned down because of credit?

If your credit isn't there yet, we'll help you fix it first, then get you funded.

Cashflow Heroes works with owners at every stage of their credit.

Talk to us about credit repairSend a request anyway

Questions owners ask.

What types of small business funding do you offer?

Business credit ($100k to $250k), Business lines of credit (based on business revenue), Emergency lending ($100k to $1.2m), Asset based lending ($500k to $25m), Commercial loans ($5m to $140m), plus real estate loans.

Do you offer private lending and private money loans?

Yes. Alongside banks, we place deals with private capital: debt funds, family offices and private lenders. Private money often suits deals that don't fit a bank's box, such as bridge, fix and flip and construction loans.

Can I get a small business loan with collateral if my credit is low?

Often, yes. With asset based lending, lenders look at the asset first, so real estate, equipment, fleets or aircraft can carry a loan from $500K to $25M even when credit history is weak.

How do I get funded?

Start a funding request online in about two minutes. No Social Security number and no bank details. 24 hour answer on every request. How long funding takes after that depends on the product and the amount.

Do you work with less than perfect credit?

Yes. Less than perfect credit, a score below 800, is the main reason owners come to us. Some products lean on your business and banking profile, revenue or assets more than your score. If none fit yet, we'll help you fix your credit first, then get you funded.

What does 0% business credit actually mean?

It means business credit lines and cards with an introductory 0% rate for a limited period. After that period, standard rates apply. Approval and limits depend on your business and banking profile. Typical amounts run $100K to $250K, with no docs and no tax returns.

How fast can I get funded?

24 hour answer on every request. How long funding takes after that depends on the product and the amount.

What are points?

Points are our fee, a percentage of the amount funded, from 1% to 12%. Larger deals pay fewer points. You'll see the figure in writing before you sign.

When do I pay the admin fee?

The $1,000 admin fee is paid on the back end at the time of funding, not before. It covers underwriting, structuring and lender outreach. There is no application fee.

Do you lend directly or broker?

Both. We lend directly, and we broker deals across a national network of banks, debt funds, CMBS desks, agency correspondents, family offices and private capital. We handle underwriting, lender coordination and term sheet negotiation either way.

What can I use the money for?

Payroll and hiring, inventory, marketing, equipment, slow seasons, long sales cycles, new locations, property, acquisitions and construction. The use shapes which product fits.

Cashflow Heroes

Tell us what you need. You'll hear back within 24 hours.

Start My Funding RequestCall (775) 251-7887

Deal sizes from $100K to $140M, nationwide.