Speak to a dedicated advisor
Quick process to fund your business
Simply complete our quick online application, and upload your 3 most recent business bank statements.
Upon your approval, an underwriter will be appointed to help you choose the right business funding package.
Once you have selected the right package for your business, you’ll simply review the terms, and receive your funds instantly into your business bank account.
Line of Credit
Credit Lines up to $250,000
Rates as low as 4.8%*
Decision as fast as 5 minutes
Term Loans
Interest Rates as low as 6.99%*
Term Amount from $30,000 to $500,000
Repayment Terms: 2 - 5 years
Merchant Cash Advance
Instead of charging a traditional interest rate, MCAs use factor rates, simple decimal figures that show how much “extra” you will owe on the original amount of the loan.
Your factor rate is determined based on a risk assessment & business bank statement. Most factor rates fall between 1.1 and 1.5.
Your Business Checklist
-
6+ months in business.
-
$10,000 average monthly revenue.
-
3 most recent business bank statements.
-
Completed application
Capitalize values your business
We understand your time is valuable, and we do not intend to waste it. Capitalize Loans has fabricated a faster way to fund business by making it simple from the moment you complete our short application to the moment you sign your approval within 24 hours. We are endlessly striving to provide the best and quickest business experience in the online lending service. Apply today and let us take care of the rest so that you can give your business the 100% attention it deserves.
F.A.Q.S
-
How do small online business loans work?
Small business loans allow owners to receive funding - generally between $5,000 and $500,000 or more. Funding can be used to finance direct and indirect expenses like payroll, new projects, inventory, equipment, and other costs.
-
What do I need to apply for a small online business loan?
In order to apply successfully with Capitalize we only require four main documents.
- Completed business loan application
- Three most recent monthly business bank statements. (Learn more)
-
If I have bad credit can I still apply or get funded?
Yes, you can still apply and funded. Capitalize considers you recent financial success, not your credit score. Ideally, having a better credit score will help. Although, we never hard pull your credit score.
-
What types of Term Loans does Capitalize facilitate?
Capitalize currently assists applicants with the following Term loans offered by its bank network for working capital, debt refinance, and new equipment purchase:
- $30,000 to $500,000 loan amounts
- 2 - 5 year repayment terms
- Fixed interest rate from 6.99% to 24.99%*
- Monthly repayments
- No prepayment penalties
Term loans can be the right financing option if you need funds quickly or want stable monthly payments.
*Interest rate depends on loan term, business borrower credit score, and financial profile.
-
What businesses are eligible for a line of credit?
To meet the minimum requirements for our Line of Credit, your business must have been in operation for at least six months, be a corporation or LLC, have a personal credit score of 600+ or more, and your business must generate at least $10,000 each month in revenue.
Due to regulations, we also cannot provide lines of credit to the following states:
- Nevada
- North Dakota
- South Dakota
If you don’t meet our Line of Credit requirements, you may be eligible for Invoice Factoring, which allows you to get a cash advance based on your outstanding invoices.
-
How fast can I access working capital cash?
Our application process is built around an in-house communication center that gives our Funding Advisors and underwriters instant access to the information they need to approve your working capital loan. Your funding can be approved in as little as 2-5 business hours, with working capital available in as little as one business day.
-
Are there any restrictions when using the working capital funds?
No. We trust that small business owners know best how to use their funding, so we don’t restrict how you use your funds.
Won’t affect your FICO® Score.
Won’t affect your FICO® Score.
Subscribe to our Newsletter
To be updated with all the latest services
