Business bank loans
Capital,arranged.
We find the lender that fits your business, prepare a file they want to approve, and negotiate the terms. You keep running the company.
I. The practice
Every bank lends differently. We know which one says yes to a business like yours, and on what terms.
One conversation
Describe the business once. We take it to the lenders that fit.
A file banks want
Prepared to answer the underwriter's questions before they're asked.
Terms, negotiated
We compare offers and push for better before you sign.
Business only
Commercial lending is all we do. No personal loans, no cash advances.
II. Financing
Four instruments. One advisor.
Open any one to see what it's for and how it works. Not sure which fits? That's what the first call is for.
A revolving line you draw on when needed and repay as cash comes in. Interest only on what you use.
Good for
- Uneven cash flow
- Seasonal inventory
- Payroll while receivables catch up
How it works
- The bank sets a limit
- Draw, repay, draw again
- Usually renewed each year
Bank loans partly guaranteed by the U.S. Small Business Administration, which allows longer terms and lower payments.
Good for
- Expansion or a new location
- Buying a business or partner's share
- Refinancing higher-cost debt
How it works
- SBA 7(a) loans up to $5 million
- Long repayment terms
- Available nationwide
Financing for the machinery, vehicles and technology your business runs on, secured by the equipment itself.
Good for
- Trucks and fleet vehicles
- Production machinery
- Medical and restaurant equipment
How it works
- Term matched to the asset's life
- Fixed monthly payments
- Keeps credit lines free
Financing tied to purchase orders and invoices, so suppliers get paid on time without draining your cash.
Good for
- Paying suppliers before customers pay
- Taking on larger orders
- Early-payment discounts
How it works
- A lender pays your supplier
- You repay on longer terms
- Grows with order volume
III. Estimate
What would it cost each month?
Estimated monthly payment
$6,334/ mo
- Total interest
- $260,055
- Total repaid
- $760,055
Often a fitLine of credit
Request terms →For illustration only. Standard amortized payment at the rate you choose. Real rates, terms and structure depend on the lender and your business.
IV. Process
From first call to funded.
You work directly with the founder at every step. No call centers, no hand-offs.
Step one
Conversation
A short call about your business, your numbers and what the capital is for. No credit pull, no obligation.
Step two
Preparation
You send the basics. We assemble a complete, lender-ready file and flag anything an underwriter will ask about.
Step three
The match
Your file goes to the lenders most likely to approve it, for your industry, size and purpose.
Step four
Closing
We compare offers side by side, negotiate, and stay with you until the funds arrive.
V. The founder
“Business owners shouldn't have to learn how every bank thinks. That's my job.”
Moshe started Capitalize to give business owners an advocate on the lending side of the table. He works every file personally, from the first conversation through closing.
Moshe on LinkedInVI. Questions
Before you call.
What does it cost to work with you?
The first conversation costs nothing. We explain exactly how we're paid before you commit to anything.
Will you pull my credit?
Not on the first call. When a lender needs to review credit, we'll tell you first.
What documents will I need?
Usually recent business tax returns, bank statements and basic company information. You'll get a specific list for your situation.
Can I keep my current bank?
Yes. Many clients add financing from a new lender while keeping their existing banking relationship.
Do you only work with local businesses?
No. Programs vary by lender and location, and some, like SBA loans, are available nationwide. Call and we'll tell you what's open to you.
VII. Begin
A private conversation.
Four short steps. Every request is reviewed personally, with a reply outlining the options that fit.