Small Business
Loans

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Trusted by businesses of all shapes and sizes.

What Is a Small Business Loan?

When you are in search of a loan to help you expand or improve your business, a small business loan may be the right solution.

Since there are a variety of options that can be customized to your needs, our dedicated loan specialists are here to help you find the most optimal fit.

How can I get a Small Business Loan for My Business?

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Small Business Loan Application Process

Revenue Based Financing

Managing My Loan

Customer Support

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Perfect Funding Fit

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Small Business Loan Application Process

What information do I need to apply?
In most cases we only require basic information about yourself and your business, such as:
- Social Security number of business owner(s).
- Business Tax ID.
- Last three months of business bank statements.
- Business start date.
Will I qualify for funding?
To qualify for funding, your business should have the following characteristics:
- Minimum three months in business.
- Minimum of $80,000 in annual revenue.
- Business checking account.
- Minimum 500 personal FICO score of the business owner.
Is there any obligation if I apply?

No. If you apply for funding with Capixa, there is no obligation to accept your funding offer.
Can I get funding to start a new business?

No, due to the inherent risk, most of our programs do not offer funding for this purpose
Can I apply for funding if my business is not based in the United States?

No. At Capixa, we only work with businesses that are based in the United States and owned by a U.S citizen or permanent resident. If you are unsure about your eligibility status, please contact us.
How quickly can I get my funds?
- Funds can be available on the same day in many cases!
- Our application process takes only a few minutes to complete, and you’ll hear from us within an hour to answer any questions you have and collect the required documents. Once we have everything, we’ll get back to you with your options in as little as one business day.
- After accepting the terms of the offer, the money is sent electronically to your designated business bank account.
- To expedite this process and save you time, we collect your bank account information during the application process with your account manager.
- You will receive a confirmation email as soon as the funds are transferred to your account.
Does Capixa charge an application fee?

There are no fees for applying with Capixa. Your application and your discussions with your dedicated account managers are absolutely free to you whether or not you are funded. Any costs associated with the acceptance of your funding will be clearly detailed when you are reviewing and considering your offer.
How Can I Get the Best Rate?
Securing an affordable rate will reduce the cost of capital on your funding agreement.
- The first step toward securing the optimum cost of capital is to determine how much capital you need.
- Borrowing too much can increase the cost of repayment and borrowing too little can leave you with getting even more expensive capital in the future.
- To avoid both of those scenarios, our dedicated account managers will walk you through your options and compare your offers to help you choose the option that best fits your needs and budget.

Revenue Based Financing

What is a Revenue Based Financing?
- Revenue-Based Financing is not a loan. It provides a flexible funding solution that allows you to access capital without diluting your equity or securing collateral. Unlike loans, repayments are structured as a percentage of your future revenue, making them more aligned with your business’s performance.
- Revenue-Based Financing works by providing your business with capital that is repaid through a portion of your future revenue. This allows you to invest in growth without the pressure of fixed loan payments.
- When you apply for Revenue-Based Financing, the lender will assess your business’s financial health and growth potential to determine if it’s a suitable candidate for this type of funding. This evaluation typically involves analyzing your revenue, expenses, and overall business performance.
Is an RBF right for my business? What are the common uses for RBF funding?
- Revenue-Based Financing is a flexible funding option suitable for businesses that need capital to seize opportunities, maximize profitability, or address unexpected expenses. Unlike traditional loans, it offers a more aligned repayment structure that doesn’t require fixed monthly payments.
- Businesses can use Revenue-Based Financing to fund various initiatives, such as purchasing materials, hiring employees, acquiring equipment, preparing for growth, or expanding their network. This flexibility allows you to invest in areas that will drive your business forward.
- Revenue-Based Financing is available to a wide range of businesses that have a consistent flow of future revenue. It’s particularly attractive to businesses with less-than-perfect credit histories, as lenders often prioritize your business’s growth potential and financial health over credit scores.
- While credit score requirements may vary between different Revenue-Based Financing programs, many lenders place more emphasis on your business’s current revenue and future growth prospects. This means you can access capital even if your credit history isn’t ideal.
How do I apply for funding?
- Submit an online application. Again, there is no application fee, no impact on your personal credit nor any obligation to accept your offer.
- Your dedicated account manager will reach out to you within 1 hour to learn more about your business, discuss documentation and the terms that suit your business needs.
- We review your application and present you with your offers in as little as 6-12 hours.
- Provided you are satisfied with your offer:  You can be funded as quickly as the same day.
- Come back when you need more financing. There is no reason that you should miss an opportunity for new growth!

Managing My Loan

How does repayment work?
A cash advance leverages your future receivables to pay off the lump sum cash infusion given at the beginning of the agreement.
- The payments for this lump sum are deducted through daily, weekly, bi-weekly, or monthly ACH pulls that are a percentage of your average monthly gross revenue.
- This continues through the repayment period until the advance has been paid in full.
Can I set up automatic payments?

Yes, we set up automatic payments (ACH) from your business bank account to help ensure our borrowers don’t accidentally miss payments.

Customer Support

Is my information secure with Capixa?
At Capixa we take the security of our customers’ private information very seriously.
- We adhere to industry best practices when it comes to protecting our customers’ personal information, from how it is stored and accessed to how we detect and react to any suspicious activity.
- We’ll never share your personal information with unaffiliated third parties for their own advertising or marketing purposes. We only share your information to pursue options you’re interested in with our vetted and trusted partners. For more information, see our Privacy Policy.
- We encrypt any sensitive data that you share with us. Anything shared with our lenders is also encrypted in transit. Our partners also regularly assess our site and tools for vulnerabilities.
Can I speak with a person?

Absolutely. Our dedicated account managers are available to answer your questions from 9:00 AM to 9:00 PM EST and are additionally accessible to you via email and or text.

Our professionals will help you navigate the underwriting process with our lenders as well as walk you through any offers you receive.