From first click to funded, step by step.
One application, a soft credit pull, and a real person on your file. Here is exactly what happens after you apply, and what you will see before you sign.
About 2 minutes to apply
One secure application covers working capital, consolidation, lines of credit, term, equipment, and specialty structures.
A real person on every file
A specialist reviews your file and calls you, Mon–Fri, 9 AM–6 PM ET.
Offers side by side
Amount, total cost, payment schedule, and term, laid out before you sign anything.
Five steps, no surprises.
What happens from the moment you apply to the moment funds arrive.
Apply online
Tell us about your business, how much you are looking for, and what the capital is for. One secure application covers every funding option we work with.
- About 2 minutes to complete
- Soft credit pull to apply†
- Funding requests from $10K–$30M
Talk with a specialist
A real person reviews every file. A specialist then calls to understand your objective: what the capital is for, when you need it, and the payment shape your cash flow can carry.
- Mon–Fri, 9 AM–6 PM ET
- Prefer a set time? Book a call right after you apply
- Ask anything about cost, terms, and timing
Share your documents
Send the documents that let underwriting verify the file. Larger requests may also require tax returns, interim financials, receivables reports, or collateral information.
- The last 4 months of business bank statements
- Owner identification
- A voided business check
- A current debt schedule (fill it out online)
Compare your offers
Options are laid out side by side before you sign, so you can see the full structure and choose what fits the business, not just the headline amount.
- Amount
- Total cost
- Payment schedule
- Term
Get funded
Once you choose an offer, funding follows final approval and executed documents. Timing depends on underwriting, verification, banking hours, final approval, and executed documents.*
- Final approval
- Executed documents
- Final documents identify the actual provider and structure
Have these ready before you apply.
Having the basics on hand keeps your file moving.
Business bank statements
The last 4 months, for the account your revenue runs through.
Owner identification
Identification for the business owner(s).
Voided business check
For the business account that will receive funds.
Current debt schedule
Any existing advances, loans, or lines and their payments. Fill it out online →
Businesses operating in the United States or Canada.
From working capital to larger, asset-backed structures.
Businesses operating at least 6 months.
Larger requests may also require tax returns, interim financials, receivables reports, or collateral information. Own real estate? Use the real estate schedule. See the full checklist →
We review the whole business, not just a score.
Before recommending a structure, a specialist looks at four things.
Three ways a file can be funded
Depending on the transaction, capital can come through different lanes.
Direct
In select opportunities, Captain Capital may participate directly.
Syndicated
Some files are funded through a syndicate of participants.
Specialist providers
Files may also be brokered or referred to third-party funding sources. Final documents identify the actual provider and structure.
How fast can it happen?
It depends on the product. Here is what to expect.
Decisions in hours.*
Some working-capital decisions can be made within hours and may fund after final approval as quickly as the same or next business day.
More diligence, more time.
Bank, SBA, real-estate, HELOC, and public-company structures generally require more diligence and time.
*Same-day decisions or funding are not guaranteed. Timing depends on underwriting, verification, banking hours, final approval, and executed documents.
MCA vs. loan: not the same thing.
Merchant cash advances are purchases of future receivables, not loans. Here is how the two differ.
Merchant cash advance
A purchase of future receivables- What it is
- A business sells a portion of its future receivables for capital today. It is not a loan.
- How cost is shown
- A factor rate. The purchase amount × the factor rate = the total purchased amount. A factor rate is not an APR.
- How it is paid
- Remittances, often daily or weekly, from business revenue as set out in the agreement.
Term loan
Borrowed money repaid with interest- What it is
- Borrowed principal that is repaid over a set term.
- How cost is shown
- An interest rate, often expressed as an APR.
- How it is paid
- Scheduled payments over the loan term.
Questions people ask before they apply.
What owners say about the process.
They did what they said they would, and they did it within 24 hours.
Gary made it very smooth and easy.
Brand marks identify businesses associated with clients or network participants. No affiliation with or endorsement by the parent brands is implied.
Ready to see your options?
About 2 minutes, a soft credit pull, and a real person on your file. Funding from $10K–$30M.