MCA, revenue-based funding, and debt consolidation.
Fast working capital for revenue-producing businesses, plus restructure and consolidation strategies designed to reduce pressure from stacked daily or weekly payments.
Operator-led business capital
Capital for businesses that do not stand still.
Explore $25K to $10M+ through one streamlined application. Direct participation, syndicated capital, and a broad funding network give us more ways to structure the right fit.
No hard pull to apply Human guidance Decisions can be fast
Capital stack
One relationship. More ways to get the deal done.
We can participate in select transactions, syndicate capital, or broker opportunities across a wider market. The goal is not to force every business into one product.
Lines of credit
Flexible access for payroll, inventory, seasonal swings, and short-term opportunities. Draw as needs arise.
Term and SBA programs
Longer-duration structures for qualified businesses seeking predictable payments and a more traditional cost profile.
HELOC and real estate
Unlock equity for acquisitions, renovations, bridge needs, or refinancing high-cost short-term business debt.
Equipment and facilities
Finance revenue-producing equipment, fleet, technology, build-outs, and other productive assets.
Convertible debt and PIPE
Structured credit and equity-linked solutions for qualifying public companies, subject to legal, regulatory, and investor review.
We sit on both sides of the desk
Run by operators, not just salespeople.
Captain Capital ownership and members of the sales team own operating businesses and real estate. That changes the conversation. We understand payroll weeks, tenant issues, inventory buys, slow receivables, and the real cost of missing an opportunity.
- Head of Operations Orel Partush brings documented New York Stock Exchange floor experience to a numbers-first process.
- Our team evaluates cash flow, debt load, timing, and the owner’s actual objective before recommending a structure.
- When one lane is not the fit, direct participation and broader brokerage channels create more possible routes.
Selected structures
Complex stories. Clear capital plans.
Representative transactions described by Captain Capital. Details are intentionally limited to protect client confidentiality.
$1.0M production agency facility
Growth capital for an agency whose work supports major film productions, including projects produced for Netflix.
Airline infrastructure technology
A credit facility for a technology company operating critical back-end infrastructure used by an airline.
MCA debt consolidation
A structure designed to replace multiple short-term positions with fewer debits and a more manageable cash-flow profile.
HELOC used to retire short-term debt
Home-equity capital for a qualified principal, strategically used to buy out higher-cost business obligations.
Convertible structure for a public issuer
An equity-linked debt pathway for a qualifying publicly traded company, coordinated with appropriate legal review.
MCA calculator
See the payment shape before the sales call.
Adjust the purchase amount, factor rate, estimated term, and debit frequency. This illustration helps you compare cash-flow impact. It is not an offer or approval.
Price a real scenarioTotal purchased amount$320,000
Estimated cost$70,000
Estimated daily debit$1,641
Estimated payments195
Merchant cash advances are generally structured as purchases of future receivables, not loans, and a factor rate is not an APR. Figures use 21.67 business days, 4.33 weeks, or one monthly payment per month and are illustrative only. Actual terms, reconciliation rights, payment frequency, fees, and cost depend on underwriting and final documents.
A wider capital map
Direct, fintech, bank, and specialist pathways.
A good capital advisor should know when speed matters, when price matters, and when an asset-backed or specialist solution changes the math.
Third-party names and marks are shown only as examples of companies and platforms active in the broader commercial finance market. Inclusion does not represent or imply a partnership, affiliation, endorsement, guaranteed submission path, or guaranteed approval. All trademarks belong to their respective owners.
4.7★★★★★Excellent on Trustpilot · 30 reviews at time of research ↗
Fast matters. Doing what you said matters more.
“Gary made it very smooth and easy.”
“They did what they said they would, and they did it within 24 hours.”
Straight answers
Know what happens next.
Commercial finance is easier when the process, tradeoffs, and documents are clear from the start.
Both, depending on the transaction. Captain Capital may participate directly or through a syndicate in select opportunities, and may also broker or refer files to third-party funding sources. Your documents should identify the actual provider and final structure before you sign.
The initial application is presented as a no-hard-pull review. A specific provider may require a hard inquiry later if you choose to continue. Review the authorization language and ask before any hard inquiry is made.
Potentially. We review current balances, payment cadence, remaining terms, revenue, bank activity, and payoff letters. The goal is a structure that meaningfully improves cash flow, not merely adds another position.
Some working-capital decisions can be made within hours and may fund after final approval as quickly as the same or next business day. Bank, SBA, real estate, HELOC, and public-company structures generally require more diligence and time.
Start with a completed application, recent business bank statements, owner identification, a voided business check, and a current debt schedule. Larger or longer-term requests may also require tax returns, financial statements, receivables reports, or collateral information.
No. Every offer is subject to underwriting, verification, final documentation, and provider approval. Never treat a website estimate, preliminary conversation, or calculator result as a commitment to fund.
Ready when the opportunity is
Bring us the real story behind the numbers.
A focused application gives the team enough context to evaluate direct, syndicated, and market options. No hard credit pull is required just to submit the initial application.
Start secure application01Tell us about the business
02Share essential documents securely
03Review structures and tradeoffs
The Captain's Log
Better capital decisions start with better questions.
Operator-focused guidance on cash flow, MCA structures, consolidation, lines of credit, real estate leverage, and growth capital.
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