# Small Business Loans and Financing Options from $10K to $10M Capital Gurus is a business financing company in Las Vegas. Apply once and we match you with providers in our network. Same-day decisions from some providers, soft credit pull only. - [See your financing options](https://capitalgurus.com/apply/) - [(725) 425-4307](tel:+17254254307) Soft credit pull only, no obligation Check us out before you apply - [See our reviews on Trustpilot](https://www.trustpilot.com/review/capitalgurus.com) - [See our reviews on Google](https://g.page/r/Cf6zosahxIXzEBM/review) - [See our BBB profile](https://www.bbb.org/us/nv/las-vegas/profile/small-business-loans/capital-gurus-1086-90086762) - Over $1B in funding arranged - 85% of applicants receive an offer* - 6 hours to funding, in some cases* *Depending on the funding provider. Funding time depends on the product, provider approval and document turnaround. Approval rate as of 2026; meeting the minimums does not guarantee an offer. ## Which type of financing fits your business? Nine products, one application. If the first product doesn’t fit your file, your specialist checks the next one without asking you to start over. - [Term loan](https://capitalgurus.com/loans-and-financing/term-loans/) — A lump sum repaid on a fixed schedule. $10K–$10M · up to 10 years. Best for: expansion and one-time investments. - [Line of credit](https://capitalgurus.com/loans-and-financing/line-of-credit/) — A revolving limit: draw, repay and draw again. $10K–$5M. Best for: uneven cash flow and recurring costs. - [Working capital](https://capitalgurus.com/loans-and-financing/working-capital/) — Short-term funding for day-to-day operations. Up to $10M for strong files. Best for: payroll, rent and slow months. - [Equipment financing](https://capitalgurus.com/loans-and-financing/equipment-financing/) — Financing for the machine, vehicle or system you buy. Up to $500K application-only. Best for: trucks, kitchens, machinery. - [Merchant cash advance](https://capitalgurus.com/loans-and-financing/merchant-cash-advance/) — A purchase of future receivables, priced with a factor rate. Not a loan. Daily or weekly remittance. Best for: card-heavy businesses that need speed. - [HELOC](https://capitalgurus.com/loans-and-financing/heloc/) — Issued by a third-party lender; Capital Gurus only refers. Secured by your home. Best for: homeowners who want longer terms. - [SBA loans](https://capitalgurus.com/loans-and-financing/sba-loans/) — Referral to SBA-participating lenders; we help prepare the file. - [Invoice factoring](https://capitalgurus.com/loans-and-financing/invoice-factoring/) — Cash advanced against unpaid B2B invoices. - [Startup funding](https://capitalgurus.com/loans-and-financing/startup-funding/) — Options for businesses with less than a full year of history. Rates, factor rates, fees and terms are set by the funding provider that makes your offer and are disclosed in that provider's agreement. Figures on this page are illustrative ranges from providers in our network, not offers. [All financing options](https://capitalgurus.com/loans-and-financing/) ## How it works One application, read by a person, presented to the providers most likely to approve it. 1. **Apply once** (About 5 minutes). One application, soft credit pull only, and no obligation to accept an offer. 2. **Advisor review** (Three months of bank statements). An advisor reads the application and statements, then picks the providers that fit. 3. **Compare offers** (Same-day decisions). Offers arrive side by side, with the cost in each provider’s own terms. 4. **Decide and get funded** (As fast as 6 hours). Pick an offer and sign with the provider. Funding is subject to provider approval. - [Get started](https://capitalgurus.com/apply/) - [how to get a business loan](https://capitalgurus.com/guides/how-to-get-a-business-loan/) ## Check the minimums before you apply Providers in the network typically look at three numbers: time in business, monthly revenue and credit score. Checking your options uses a soft credit pull only. - 12+ months in business - $15K+ monthly revenue - 525+ credit score considered - business bank account Some providers consider applications at these minimums. Meeting a minimum does not guarantee an offer. Start here: [business loan requirements](https://capitalgurus.com/guides/business-loan-requirements/), [business loan interest rates](https://capitalgurus.com/guides/business-loan-interest-rates/) ### Don’t fit those numbers yet? You may still have a route. Each page explains what is realistic and what it costs. - [business financing with bad credit](https://capitalgurus.com/solutions/bad-credit/) - [unsecured business financing](https://capitalgurus.com/solutions/unsecured/) - [fast business funding](https://capitalgurus.com/solutions/fast-funding/) - [low-doc business financing](https://capitalgurus.com/solutions/no-doc/) - [business financing with no hard credit check](https://capitalgurus.com/solutions/no-credit-check/) - [Get my options](https://capitalgurus.com/apply/) ## Financing for how your industry earns Businesses in over 700 industries. Some providers restrict certain industries, so we match each file to the providers that accept it. - [Construction](https://capitalgurus.com/industries/construction/) — financing for contractors - [Restaurants](https://capitalgurus.com/industries/restaurants/) — financing for restaurants - [Medical practices](https://capitalgurus.com/industries/medical/) — financing for medical practices - [Dental practices](https://capitalgurus.com/industries/dental/) — financing for dental practices - [Trucking & logistics](https://capitalgurus.com/industries/transportation/) — financing for trucking firms - [Auto repair](https://capitalgurus.com/industries/auto-repair/) — financing for auto repair shops - [Home services](https://capitalgurus.com/industries/home-services/) — financing for home services - [Manufacturing](https://capitalgurus.com/industries/manufacturing/) — financing for manufacturers [All industries](https://capitalgurus.com/industries/) ## Why apply through Capital Gurus instead of lender by lender? Capital Gurus is not a lender. Providers in our network make the credit decision and fund. Our job is to put your file in front of the right ones and explain the offers. - **More than one path** — Nine products and providers with different guidelines. If one product doesn’t fit, the next might, with no new application. - **A specialist reads your file** — Your specialist tells you which products fit, and which don’t, before anything is submitted. - **Same-day decisions at some providers** — And funding as fast as 6 hours on a complete file, depending on the provider. - **Every offer, side by side** — Each offer states the amount, cost, term and fees. You compare, you choose, and nothing moves without your signature. - [what one application does for you](https://capitalgurus.com/guides/how-a-business-loan-broker-works/) - [how Capital Gurus works](https://capitalgurus.com/about-us/) ## Listen to what other business owners have to say Ratings load live from each platform, with the date they were pulled. - **Trustpilot** — What our clients wrote, in their own words. [Read our reviews on Trustpilot](https://www.trustpilot.com/review/capitalgurus.com) - **Google** — Reviews on our Google Business Profile. [See our Google reviews](https://g.page/r/Cf6zosahxIXzEBM) - **BBB** — Our Better Business Bureau profile. [BBB Accredited Business](https://www.bbb.org/us/nv/las-vegas/profile/small-business-loans/capital-gurus-1086-90086762) - **Capital Gurus, Inc.** - 1700 S Pavilion Center Dr, Ste 420, Las Vegas, NV 89135 - [(725) 425-4307](tel:+17254254307) - [Our Las Vegas office](https://capitalgurus.com/locations/nevada/las-vegas/) ## Questions owners ask before applying ### Is Capital Gurus a lender? 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. ### Does applying with Capital Gurus affect my credit score? 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. ### What are the requirements for a business loan? 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. ### How long does it take to get a business loan? 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. ### What documents do I need to apply for a business loan? 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. ### What industries does Capital Gurus work with? 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. Still have a question? [See all FAQs](https://capitalgurus.com/faq/) or [talk to a funding advisor](https://capitalgurus.com/contacts/). ## One application. Every funding option. Skip the lender-by-lender chase. One application, three months of bank statements, and a dedicated advisor who brings the offers back to you side by side — terms set by the provider, disclosed before you sign. - [Apply now](https://capitalgurus.com/apply/) - [Call (725) 425-4307](tel:+17254254307) About 5 minutes, soft credit pull only · [talk to a funding advisor](https://capitalgurus.com/contacts/) By the Capital Gurus Editorial Team · Reviewed by Joseph Wartz · [Editorial policy](https://capitalgurus.com/editorial-policy/) --- Source: https://capitalgurus.com/ · Last reviewed 2026-11-09 · Capital Gurus is not a lender.