BusinessCapitalMart is a hub for business lenders and business owners. Through our expert consultative style we maximize the borrowing opportunities for business owners by letting lenders across a variety of financing genres (ex; equipment, SBA loans, startup loans, working capital loans) compete for their business.

Traditional banks don't tend to offer comprehensive solutions for small business lending.  Besides many alternative financing companies popped up over the last decade offering far more competitive products, even for those with bad credit.  BusinessCapitalMart endeavors itself to stay ahead of the vast numbers of banking programs (over several hundred by our count), their ever changing qualification criteria, and more importantly their rates and terms so you don't have to.  We can quickly match your scenario with the cheapest and quickest financing options available to you.

No.  When needed we do a soft pull on your credit.  A "soft pull" doesn't put a hard inquiry on your credit report.

You're only going to speak to one person who is both evaluating your scenario and discussing your options.  

You fill out some basic information about your business needs. Our consultants match you with over hundreds of lending programs and discuss with you your options. If any of the options seem attractive, we pursue the most aggressive rates and terms. You pick the best one. Often we can do this within one business day.

Most applications are approved within a matter of hours. Some can be approved within a matter of minutes.  It depends on what you’re pursuing.  As a general rule long term loans with the lowest interest rates will require more financial documentation and take longer to close. 

We can fund most working capital products the same day we have your approval. Startup financing and equipment financing (such as heavy duty semi's, industrial ovens, or forklifts, etc) can take up to 10 business days to close. Your consultant will discuss timing with you prior to moving forward.

Business loans go up to 10 years if they are SBA backed.  Other working capital facilities such as Merchant Cash Advances max out at around 2 years.

It varies depending on the product.  There are business loans that can be paid off early, and some others require you to keep the loan for a minimum time period.  If you're looking for a quick pay off, please let us know and we'll craft a solution where prepayment penalties are minimal or $0.