Fast, Flexible Business Funding
Lines of credit, term loans, SBA options, real estate and equipment financing. One application. Real people. Clear terms.
We specialize in fast business funding for established companies that need working capital, equipment financing, or real estate loans. Whether you're managing seasonal cash flow gaps, expanding operations, or investing in commercial property, we provide flexible financing solutions from $25,000 to $5 million with approval in 24-72 hours.
Quick Pre-Qual — No Hard Pull
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Flexible capital for real operators
Pick the structure that matches your cash flow and growth plan.
Business Line of Credit
Revolving credit facility that gives you flexible access to working capital. Perfect for managing seasonal cash flow, covering payroll during slow periods, or handling unexpected expenses. Only pay interest on the amount you draw, not your full credit limit.
- $25k–$500k limits
- Only pay on what you use
- Revolving access
- No prepayment penalties
Term Loans
Fixed-rate business loans with predictable monthly payments. Ideal for one-time capital needs like equipment purchases, business expansion, inventory financing, or debt consolidation. Receive the full loan amount upfront and repay over 12-36 months.
- $50k–$2M
- Fixed terms & rates
- Working capital or growth
- 12-36 month terms
Real Estate Lending
Commercial real estate financing for investment properties, fix-and-flip projects, rental properties, and construction. We offer DSCR loans based on property cash flow, bridge loans for quick closings, and construction financing for ground-up development.
- Fix & flip loans
- DSCR financing
- Bridge & construction
- Up to 80% LTV
Who we're for
We work with established businesses that need fast, flexible financing to grow, manage cash flow, or seize opportunities.
Established Businesses
Companies with 1+ years in business, $100k+ annual revenue, and a clear need for working capital or growth financing.
Real Estate Investors
Fix-and-flip operators, rental property investors, and commercial real estate developers seeking fast, asset-based financing.
Equipment Buyers
Businesses purchasing vehicles, machinery, medical equipment, or technology that need equipment financing with flexible terms.
Growth Companies
Expanding businesses that need capital for inventory, hiring, marketing, or opening new locations without lengthy bank processes.
What entrepreneurs say
Verified reviews from Trustpilot.
Fantastic to work with. They quick, no BS approach is what drew me in initially! They're willing to go out on a limb to get the deals done, even if a deal takes longer than expected!
Super easy process with Closer Capital! Getting a business loan has never been easier! Taylre was so nice, patient & super cooperative throughout the process. Everything was explained in great detail and there were no surprises. I'm excited to build relationship with Closer Capital.
For those looking for a company with a strong personality and a clear drive to make an impact, Closer Capital offers a compelling option.
Common questions about business financing
How fast can I get funding?
Most business loans and lines of credit are approved within 24-72 hours after you submit your application and required documentation. Once approved, funding typically occurs within 1-3 business days. SBA loans take longer (4-12 weeks) due to government processing requirements.
What are the qualification requirements?
Requirements vary by loan type, but generally you'll need: 1+ years in business, $100k+ annual revenue, personal credit score of 600+ (higher scores get better rates), and no recent bankruptcies or tax liens. We also consider your business's cash flow, industry, and use of funds.
What documentation do I need?
Basic requirements include: 3-6 months of business bank statements, recent tax returns (business and personal), profit & loss statements, balance sheet, business license, and a voided business check. For larger loans or SBA programs, additional documentation may be required.
What interest rates can I expect?
Rates vary based on loan type, credit score, business financials, and loan amount. Business lines of credit typically range from 8-18% APR. Term loans range from 6-15% APR. SBA loans offer the lowest rates (6-13% APR) but require more documentation. Equipment and real estate loans are often asset-backed with competitive rates.
Is there a prepayment penalty?
Most of our business loans and lines of credit have no prepayment penalties, so you can pay off your loan early without additional fees. Some SBA loans may have prepayment restrictions in the first few years. Always review your loan agreement for specific terms.
Ready to move fast? Get a funding offer in 24–72 hours.
No hard pull for pre‑qual. Straight answers from real people.