4.7 ★★★★★ Excellent on Trustpilot · 30 reviewsNo hard pull to apply · Serving the United States & Canada
Operator-led business capital

Business funding from $10K–$30M. Decisions in hours.

One application connects you to direct, syndicated, and specialist funding options, reviewed by people who run businesses themselves. No hard pull to apply.

Takes about 2 minutesNo hard credit pullA real person reviews every file
4.7 on Trustpilot29 of 30 reviews are 5-star
As fast as same dayAfter approval & signed docs*
One applicationDirect, syndicated & specialist options
US & CanadaUK & Australia coming soon
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 full structure before you decide.

01 / APPLY

Apply securely in minutes

Answer a few questions about your business, then connect bank statements or upload the documents needed for review.

02 / REVIEW

Review the right capital path

We assess revenue, cash flow, existing obligations, assets, and timing, then compare the structures that fit the operating need.

03 / FUND

Approve, close, and fund

Review final terms, complete verification, and receive approved funds, potentially as fast as the same business day.

*Same-day decisions or funding are not guaranteed. Timing depends on underwriting, verification, banking hours, final approval, and executed documents.

Funding options

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.

Business owners packing orders
Working capital

Working capital & MCA

Inventory, payroll, marketing, or uneven cash-flow cycles, sized from how revenue actually arrives.

Check my options
Retail owners reviewing inventory
Consolidation

MCA consolidation

Replace stacked short-term positions with a structure that meaningfully reduces payment pressure.

Review my positions
Owner managing an ecommerce operation
Line of credit

Lines of credit

Revolving access for repeatable, short-duration needs. Draw when you need it.

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Workshop owners planning an investment
Term & SBA

Term & SBA loans

Planned, durable investments with longer terms and more predictable payments.

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Operators evaluating production equipment
Equipment

Equipment financing

Equipment and facility capital tied to the operating return it creates.

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SPECIALTY

Real estate, HELOC & public-company structures

Larger or asset-backed files get a dedicated conversation with our team.

Talk to a specialist
Selected structures

Complex stories. Clear capital plans.

Representative transactions described by Captain Capital. Details are intentionally limited to protect client confidentiality.

01

$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.

02

$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.

03

$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.

04

$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.

05

$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.

Orel Partouche on the New York Stock Exchange trading floor
Orel PartoucheHead of Operations · former NYSE trading floor
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. We understand payroll weeks, tenant issues, inventory buys, slow receivables, and the real cost of missing an opportunity.

  • Head of Operations Orel Partouche brings New York Stock Exchange floor experience to a numbers-first process.
  • We evaluate cash flow, debt load, timing, and your actual objective before recommending a structure.
  • When one lane is not the fit, direct participation and broader brokerage channels create more possible routes.
4.7
★★★★★
Excellent on Trustpilot · 30 reviews

29 five-star, 1 four-star at time of research.

Fast matters. Doing what you said matters more.

Read all 30 reviews ↗
“They did what they said they would, and they did it within 24 hours.”
Andrew HamiltonVerified Trustpilot review
“Gary made it very smooth and easy.”
Lisa GreenVerified Trustpilot review
“Absolute breeze to work with”“Trust and integrity”“Captain Jack made it happen…”“Amazing and quick experience.”“Stellar Service”“100% recommend, great and reliable company!”
Straight answers

Know what happens next.

The process, the tradeoffs, and the documents, clear from the start.

All FAQs →
Will applying affect my personal credit?

The initial application is a no-hard-pull review. A specific provider may require a hard inquiry later if you choose to continue, and we will tell you before any inquiry is made.

How quickly can a business receive capital?

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.

What documents should I prepare?

Recent business bank statements (last 4 months), owner identification, a voided business check, and a current debt schedule. Larger requests may also require tax returns, interim financials, receivables reports, or collateral information.

Do you fund deals directly or act as a broker?

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. Final documents identify the actual provider and structure.

Can you help consolidate existing MCAs?

Potentially. We review balances, payment cadence, remaining terms, revenue, bank activity, and payoff letters. The objective is meaningful cash-flow improvement, not simply adding another position.

Ready when the opportunity is

See what your business qualifies for.

Two minutes, no hard credit pull, and a real person on your file. Funding from $10K–$30M.

Operator-led access to direct, syndicated, and third-party commercial capital for businesses in supported markets.

🇺🇸 United StatesAVAILABLE🇨🇦 CanadaAVAILABLE🇬🇧 UKSOON🇦🇺 AustraliaSOON

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Independent reviews

★ Trustpilot
★★★★★
4.7

Excellent · 30 reviews at time of research