Straight answers before you sign.
Understand how the review works, what documents may be needed, and where the important tradeoffs sit before you choose a capital structure.
Know what happens next.
Product availability and final terms depend on the applicant, provider, verification, and underwriting.
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 should identify the actual provider and structure.
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 inquiry is made.
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 requests may also require tax returns, interim financials, receivables reports, or collateral information.
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.
Compare proceeds received, total repayment, payment frequency, duration, fees, collateral, guarantees, prepayment treatment, reconciliation rights, renewal conditions, and default provisions.
No. Timing depends on underwriting, verification, final approval, executed documents, banking hours, and the selected product. A preliminary discussion is not a commitment to fund.
Syndication allows multiple capital participants to share a qualifying transaction. The structure, provider responsibilities, and borrower obligations should be clear in the final documents.
No. Calculator results are educational illustrations. Actual amount, cost, payments, term, and eligibility depend on underwriting and final provider documents.
No. Every offer is subject to underwriting, verification, final documentation, and provider approval. Review all documents and obtain professional advice when appropriate.
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