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One application · no hard pull to applyOperator-led business capital
Capital built around the way your business actually runs.
One application connects you to direct, syndicated, and specialist funding options. Clear guidance, fast decisions, and no hard pull to apply.
Speed when the file is ready Get a Business Loan as Fast as the Same Day! Subject to underwriting, final approval, executed documents, and banking hours. Same-day funding is not guaranteed.
A clear route to capital
Three steps from application to funding.
One application starts a guided review across direct, syndicated, and specialist options. You see the structure before you decide.
Review the right capital path
We assess revenue, cash flow, existing obligations, assets, and timing—then compare the structures that fit the operating need.
Direct · syndicated · specialist optionsApprove, close, and fund
Review final terms, complete verification, and receive approved funds—potentially as fast as the same business day.
Clear terms before you signSame-day decisions or funding are not guaranteed. Timing depends on underwriting, verification, banking hours, final approval, and executed documents. Available products and structures vary by applicant and provider.
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.
01 / Working capital
Working capital built around real operating needs.
Support inventory, payroll, marketing, time-sensitive opportunities, or uneven cash-flow cycles with a structure reviewed against the way revenue actually arrives.
New capitalCapital for a defined operating use, sized from the complete business file.
Debt consolidationExplore whether replacing qualifying short-term obligations can reduce payment pressure.
Direct + syndicatedCaptain may participate in select files or coordinate multiple capital sources.
Payment fitReview cadence, total obligation, and downside cash flow before signing.
Approval, amount, pricing, payment schedule, and funding time vary by applicant, provider, documentation, and final underwriting. Same-day funding is not guaranteed.
02 / Revolving access
A line of credit for repeatable, short-duration needs.
For qualifying businesses, revolving access can support recurring inventory, payroll timing, receivable gaps, and opportunities that do not justify a brand-new application every time.
Draw as neededAccess is generally limited to the approved availability and provider rules.
Reusable capacitySome revolving facilities restore availability as principal is repaid.
Short-cycle usesMatch each draw to a realistic inventory turn, collection, or cash event.
Clear comparisonReview draw fees, interest, renewals, collateral, and reporting requirements.
Availability, renewals, pricing, fees, collateral, and reporting requirements depend on the facility and provider. A credit line can be reduced, suspended, or not renewed under its agreement.
03 / Longer duration
Term and SBA paths for planned, durable investments.
Qualified businesses may benefit from longer repayment periods and predictable schedules when the use of proceeds creates value over years rather than weeks.
Predictable scheduleFixed-term structures can make budgeting and payoff timing easier to model.
Longer-horizon usesExpansion, acquisitions, refinancing, or other documented business investments.
Formal underwritingExpect current financials, tax records, ownership details, and a clear use of funds.
Provider comparisonEvaluate amortization, maturity, guarantees, collateral, fees, and prepayment.
SBA-backed loans are made by participating lenders and require program and lender approval. Captain Capital Group is not a government agency and does not guarantee approval or terms.
04 / Property-backed
Real-estate capital that considers the full balance sheet.
Property equity may support acquisitions, renovations, bridge needs, or the refinance of higher-cost business obligations when the owner understands the collateral risk.
HELOC reviewCompare personal collateral exposure, variable-rate risk, draw rules, and repayment periods.
Commercial propertyConsider ownership, value, lien position, cash flow, and the intended use.
Bridge scenariosConnect short-duration capital to a credible sale, refinance, or operating event.
Debt buyoutMeasure payment relief after every payoff, closing cost, and new obligation.
Property-secured financing can place real estate, including a home, at risk. Values, liens, title, income, credit, and other factors affect eligibility. Obtain legal and tax advice for your circumstances.
05 / Productive assets
Equipment and facility capital tied to operating return.
Finance machines, fleet, technology, build-outs, and other productive assets by matching the obligation to useful life, installation timing, and conservative utilization.
Equipment purchasesUse vendor invoices, specifications, and delivery timing to define the request.
Lease or loanCompare ownership, residuals, purchase options, maintenance, and total cost.
Facility build-outsSeparate one-time improvements from recurring overhead and working capital.
Return disciplineStress-test utilization, downtime, repairs, staffing, and the expected payback.
Asset eligibility, advance rates, liens, insurance, documentation, and tax treatment vary. Consult qualified legal, tax, and accounting professionals before making a purchase or financing decision.
06 / Public issuers
Convertible debt and PIPE structures for qualifying issuers.
Public-company capital requires more than proceeds. The transaction must be evaluated against dilution, disclosure, approvals, filings, legal opinions, exchange rules, and the operating milestone it funds.
Convertible notesModel maturity, interest, conversion mechanics, price scenarios, caps, floors, and defaults.
PIPE reviewConsider investor terms, warrants, registration rights, closing conditions, and use of proceeds.
Dilution modelingShow ownership outcomes across multiple market-price and conversion scenarios.
Counsel-led processQualified securities counsel must evaluate the actual issuer and transaction.
Securities transactions involve substantial legal, regulatory, market, and dilution risk. Nothing here is an offer, solicitation, investment recommendation, or substitute for qualified securities counsel.
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 | 24 months
A $1.0M, 24-month facility for a production agency whose work supports major film productions, including projects produced for Netflix.
$350K airline infrastructure facility | 12 months
A $350K, one-year credit facility for a technology company operating critical back-end infrastructure used by an airline.
$2.0M MCA consolidation
A $2.0M consolidation structure that included buying out $450K in existing merchant cash advance obligations to reduce short-term payment pressure.
$200K HELOC used to retire MCA debt
A $200K home-equity line used by a qualified principal to retire existing merchant cash advance debt and replace short-duration business obligations.
$3.0M stock-secured convertible debt
A $3.0M convertible debt structure for a publicly traded company, secured by stock and coordinated with appropriate legal and regulatory review.
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.
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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.
Capital with a purpose
What could your business do with $250,000?
You decide where capital can create the most value. We help owners evaluate the amount, structure, payment shape, and timing around the real operating need.
- Purchase inventory
- Stabilize cash flow
- Cover payroll
- Upgrade equipment
- Expand or renovate
- Hire key employees
- Launch a campaign
- Consolidate business debt