Business funding from $20K to $10M, structured by a specialist.
SBA loans, term loans, lines of credit, equipment financing and working capital for U.S. businesses. Compared across our lender network, explained plainly.
How much funding do you need?
Two minutes. No credit impact.
- Funding range
- $20K to $10M
- Eligibility decision
- 24 to 48 hours
- Time to fund
- Next business day
- Businesses served
- All 50 states
Ten ways to fund the business
One application, compared across every product that fits. Your specialist tells you which is cheapest, which is fastest, and why.
- SBA LoansGovernment-backed loans with the longest terms and lowest rates available to small businesses.
- Business Term LoansA fixed amount, a fixed schedule and a known total cost, funded in days rather than months.
- Business Line of CreditRevolving access to capital you draw when you need it and pay interest on only what you use.
- Working CapitalThe fastest funding in the stack, underwritten on revenue rather than tax returns.
- Equipment FinancingFinance or lease the equipment itself, with the asset as collateral and terms matched to its life.
- Invoice FactoringTurn outstanding invoices into cash now instead of waiting 30, 60 or 90 days to be paid.
- Commercial Real EstatePurchase, refinance or cash out on the property your business operates from or invests in.
- Ecommerce FundingCapital sized to your platform sales for inventory, ads and growth, without traditional financials.
- Gig and 1099 FundingFunding for independent contractors and sole proprietors, based on the income you actually earn.
- Home Equity Line of CreditUse equity in your home as a low-cost, revolving source of capital for the business.
Built around how your industry gets paid
Draw schedules, reimbursement lag, net-60 invoices, seasonal swings. The product has to fit the cash cycle, and we know the cycles.
Four steps from question to capital
- 1
Check eligibility
Seven quick questions about the business and what you need. No documents, no credit impact. We reply within 24 to 48 hours.
- 2
Talk to a specialist
A funding specialist reviews cash flow, goals and timeline with you, then places the file with the lenders that fit. Not a formula, a person.
- 3
Compare real offers
Two to four offers that genuinely fit, with the total cost, term and payment of each laid side by side. Choose one, or walk away.
- 4
Get funded
Sign electronically and funds go to your business account, as fast as the next business day on most products. Your specialist stays on the file until the money lands.
The right capital, not just any capital.
Anyone can send your application to twenty lenders. The work is knowing which three will say yes on terms you should accept.
- More than a credit score
- We underwrite the business: cash flow, revenue trend, use of funds and growth plan. A single number does not decide the outcome.
- Capital that matches the use
- Equipment, expansion, working capital or an acquisition each call for a different structure. We match the product to how you will deploy the money.
- Industry fluency
- Construction draws, healthcare reimbursement cycles, trucking receivables. We know how the money moves in your industry and place you with lenders who do too.
- One point of contact, nationwide reach
- Lender relationships across the country, and one specialist who owns your file from the first call to funding.
Do you qualify?
If the business meets these three, there is very likely a product that fits. If it meets two, there may still be. Two minutes tells you.
Check your eligibility- Business located in the United States
- Beneficial owner is a U.S. citizen, U.S. national or lawful permanent resident
- Consistent monthly revenue, with two years of positive cash flow opening the widest options
Questions we hear most
See all questionsDoes checking eligibility affect my credit?
No. The eligibility check uses the information you give us and, where a lender needs it, a soft credit inquiry. A hard inquiry only happens if you choose to move forward with a specific offer.
How fast can I get funded?
It depends on the product. Working capital, lines of credit and several other products can fund the next business day once the file is complete. Term loans and equipment financing typically take a few days. SBA and real estate loans take 30 to 90 days.
What do I need to apply?
To check eligibility, only the basics: what you need, what it is for, your industry, time in business and monthly revenue. To fund, most products need 3 to 6 months of business bank statements and a short application. SBA loans need tax returns and financial statements.
Is Capital Ally a lender?
No. Capital Ally is a commercial finance broker. We place your request with lenders in our network, compare the offers and walk you through the trade-offs. You choose, and you can walk away at any point.
What does it cost to work with you?
There is no fee to check eligibility or to receive offers. Broker compensation is disclosed on any offer you consider before you sign.
Ready to see your options?
Two minutes to check eligibility. A specialist reviews it the same day. No credit impact, no obligation.