Business Funding
Capital to Grow Your Business
We fund $10K to $3M through our private credit arm and network of 75+ lending partners. Fast approvals, flexible structures, and a dedicated advisor from application to close.
$10K–$3M
Funding Range
75+
Lending Partners
24hrs
Fastest Funding
No Min
FICO Required
Discover a Variety of Funding Options for Your Business
Bad Credit Business Funding
Low credit scores welcome. We look beyond your FICO.
SBA Business Funding
Government-backed loans with competitive long-term rates.
Business Line of Credit
Revolving credit to manage cash flow and seize opportunities.
Merchant Cash Advance
Quick capital based on your future revenue and sales.
Equipment Financing
Fund equipment purchases without draining cash reserves.
Business Term Funding
Fixed-term loans with predictable payments and clear timelines.
Revenue-Based Funding
Repay as a percentage of revenue — scales with your business.
Working Capital Funding
Short-term capital to cover payroll, inventory, and daily ops.
How It Works
Four Steps to Funding
From application to capital in your account — here's how we get you funded.
Apply in Minutes
Submit a simple one-page application. No lengthy paperwork, no tax returns required. Just 4 months of bank statements.
Get Matched
Your dedicated Business Funding Advisor reviews your profile and matches you with the best options from our 75+ lending partners.
Review Offers
Receive multiple funding offers tailored to your business. Compare terms, rates, and timelines — no obligation.
Get Funded
Accept your preferred offer and receive capital in as fast as 24 hours. Same-day funding available for qualified businesses.
Why Choose Us
See How We Compare
Traditional lenders are slow and rigid. Online lenders are impersonal. We offer the best of both — fast, flexible, and personal.
SBA Loan
Cape Point Capital
Recommended
Online Lender
Paperwork
2-3 years tax returns + 2-3 years financials
Only 4 months bank statements — no tax returns needed
3 months bank statements + 1 year tax return + 1 year financials
Application
Long, paperwork-heavy process
One-page, one-minute DocuSign submission
Multi-page, time-consuming
Lender Options
Only 1
75+ lending partners
Only 1
Support Level
Basic processor assistance
Dedicated Business Funding Advisor
Program-based, limited personalization
Approval Speed
Weeks to months
Within hours to days
Days to weeks
Funding Speed
Often months
Same day to a few days
Days to weeks
Collateral
Required in most cases
Not required
Sometimes required
Profitability
Must show profit for last 2 years
Not required to qualify
Often required to qualify
Credit Score
680+ FICO
No minimum FICO needed
600+ FICO
Credit Check
Hard inquiry
Soft pull only
Hard pull
Paperwork
SBA Loan
2-3 years tax returns + 2-3 years financials
Cape Point Capital
Only 4 months bank statements — no tax returns needed
Online Lender
3 months bank statements + 1 year tax return + 1 year financials
Application
SBA Loan
Long, paperwork-heavy process
Cape Point Capital
One-page, one-minute DocuSign submission
Online Lender
Multi-page, time-consuming
Lender Options
SBA Loan
Only 1
Cape Point Capital
75+ lending partners
Online Lender
Only 1
Support Level
SBA Loan
Basic processor assistance
Cape Point Capital
Dedicated Business Funding Advisor
Online Lender
Program-based, limited personalization
Approval Speed
SBA Loan
Weeks to months
Cape Point Capital
Within hours to days
Online Lender
Days to weeks
Funding Speed
SBA Loan
Often months
Cape Point Capital
Same day to a few days
Online Lender
Days to weeks
Collateral
SBA Loan
Required in most cases
Cape Point Capital
Not required
Online Lender
Sometimes required
Profitability
SBA Loan
Must show profit for last 2 years
Cape Point Capital
Not required to qualify
Online Lender
Often required to qualify
Credit Score
SBA Loan
680+ FICO
Cape Point Capital
No minimum FICO needed
Online Lender
600+ FICO
Credit Check
SBA Loan
Hard inquiry
Cape Point Capital
Soft pull only
Online Lender
Hard pull
Our Approach
Why Business Owners Choose Us
We're not a bank. We're not a faceless online lender. We're operators and investors who understand what it takes to build a business — and what it takes to fund one.
Cape Point Capital combines private credit from our own balance sheet with access to a curated network of 75+ lending partners. This means more options, better terms, and faster funding — all managed by a single dedicated advisor who stays with you from application to close.
Whether you need working capital to cover a seasonal dip, equipment financing to scale operations, or a term loan to fund an acquisition — we structure the right solution for your business, not the other way around.
No Minimum Credit Score
We look at your business holistically — revenue, cash flow, and growth potential — not just your FICO.
Funding in 24 Hours
Qualified businesses can receive capital the same day. Most approvals happen within hours, not weeks.
Soft Pull Only
Your credit score isn't affected during the application process. We only run a soft inquiry.
Dedicated Advisor
A real person guides you through every step — not a chatbot, not a generic support queue.
75+ Lending Partners
We shop your deal across our entire network to find the best rates, terms, and structures for you.
No Collateral Required
Many of our funding products are unsecured. No liens on your home or personal assets.
Ready to Fund Your Growth?
Apply in minutes. Get matched with the right lender. Receive capital as fast as 24 hours. No hard credit pull to apply.
$10K — $3M · No minimum FICO · Soft pull only · Same-day funding available