Small Business Loans and Financing Options from $10K to $10M

No. Capital Gurus is not a lender. We take one application and match it to funding providers in our network; those providers underwrite the file, set the rate or factor rate and terms, and fund the business. A Capital Gurus funding specialist walks you through the offers and the paperwork. Every provider’s terms are disclosed in its own offer documents before you sign.

No. Capital Gurus checks your options with a soft credit pull only, which does not affect your score and is not visible to other lenders. Your funding specialist tells you what each provider needs before you commit. Checking what you qualify for through us carries no credit cost.

Providers in Capital Gurus’ network generally require at least 12 months in business, roughly $15,000 in monthly revenue, a credit score of 525 or higher and a business bank account. You will need three to six months of business bank statements and a government ID; larger term loans, equipment financing above $500,000 and SBA loans also need financials or tax returns. Meeting a minimum does not guarantee an offer.

Through Capital Gurus’ network, some providers decide and fund the same day, in cases as fast as 6 hours after a complete application, subject to provider approval and document turnaround. As a rule of thumb: advances and lines of credit in hours to a few days, equipment financing in a few business days once the quote is in, larger term loans in about a week, and SBA loans in several weeks.

For most products you need a short application, your last three to six months of business bank statements, a government-issued ID and a voided business check. Larger term loans, equipment financing above $500,000 and SBA loans add tax returns, a profit-and-loss statement and a balance sheet. Equipment financing needs the vendor quote; invoice factoring needs an accounts-receivable aging report. Your funding specialist confirms the exact list for your file.

Capital Gurus works with businesses in more than 700 industries, from construction, trucking and restaurants to medical practices, retail, salons and e-commerce. Twenty industries have dedicated pages with the products that fit them best, for example equipment financing for contractors and invoice factoring for carriers. Some funding providers restrict certain industries, which is exactly why we match each file to the providers whose guidelines accept it.