Trusted by 10,000+ U.S. Businesses

Fast funding,
structured around
your needs.

Get matched with the right financing solution for growth, cash flow, or short-term working capital. No obligation. Fast review.

48hrs Avg. funding time

$10M Max funding amount

5★ Trustpilot rating

Long-term

Business Loans

Structured financing for growth, expansion, equipment, hiring, or long-term investment. From $300k up to $10M.

Term Loans → Line of Credit →

2–10 year terms · From 2% origination · Same-day review

Fast access

Short-Term Working Capital

Fast-access capital for immediate operational needs, cash flow pressure, or debt restructuring.

Cash Advance → Management →

3–18 month terms · Funded in 48 hours · Minimal paperwork

No obligation Fast review Options tailored to your business No hard credit pull to start

How It Works

Funding in three simple steps

No jargon, no runaround. Tell us what you need and we do the heavy lifting— matching you with the right capital, fast.

Tell us what you need

Share a few details about your business and the funding you're after. One short form—no obligation and no hard credit pull to start.

Get matched & compare

We match you with the right lenders and bring back options structured around your revenue, timeline, and goals—often the same day.

Get funded

Choose your offer and receive capital in as little as 48 hours. Nick guides you through every step of the way.

Get Funded → See the full process

Business Loans

Term Loans

Fixed monthly payments, predictable cost of capital, and loan sizes from $15,000 to $10,000,000. Ideal for businesses with strong revenue looking to make a significant growth investment.

Loan Amount

$300k – $10M

Based on revenue

Repayment

2–10 yrs

Monthly payments

Time to Fund

1–6 weeks

After approval

Documents Required

Last three business tax returns
Last three personal tax returns
YTD financials
Twelve months of bank statements

Apply for a Term Loan →
↑ Back to top

Business Loans

Line of Credit

Draw what you need, when you need it. Interest-only monthly payments with principal due at end of term. Re-draw on amounts already repaid within the term — perfect for businesses with variable capital needs.

Credit Limit

$150k – $10M

Revolving access

Payments

Interest only

Monthly, flexible

Minimum FICO

Varies

Program dependent

Apply for a Line of Credit →
↑ Back to top

Short-Term Working Capital

Cash Advance

Get immediate unsecured capital against future revenue. Automated daily or weekly repayment via ACH — no invoicing, no chasing payments. Funds typically wired within 48 hours of approval.

Amount

$15k – $5M

Based on revenue

Term

3–18 months

Daily/weekly ACH

Approval

Same day

Funded in 48hrs

Get a Cash Advance →
↑ Back to top

Short-Term Working Capital

Debt Management

Carrying multiple advances or high-cost obligations? We restructure your payments into a single, lower daily amount — freeing up cash flow and reducing financial pressure. Structured around your current position, not against it.

Savings

25–50%

vs. current payments

One Payment

Daily ACH

Automated, simple

Process

48hrs

From review to funded

Explore Management →
↑ Back to top

Your Questions, Answered

Get answers to all your questions about securing the right funding for your business.

What Credit Products Are Available through Capital Access International?

Funding progams include Term Loans, Business Line of Credit, Equipment Fianancing, Cash Advance and Commercial Real Estate collateralized loans.
Loan and advance sizes range from a minimum of $15,000 to a maximum of $10,000,000.
The term of repayment for short-term, unsecured financing is between 3 and 36 months. For term loans it is 2-10 years. Commercial Real Estate loans range from 12 months to 5 years.
‍

How does the process work?

First, it's important to discuss your specific needs with our team so we know which program(s) are the best fit for your situation. Once that is determined, you simply submit an application using our simple online application form. Depending on which program is being requested, there will be follow up document requests where specific financial documents such as bank statements, P&L, Balance Sheet, tax returns might be needed.
‍

What are the minimum requirements to receive funding?

Annual gross revenue of $800,000 or more.
‍
‍Minimum 12 months time in business.
‍
All owners of the business above 20% have minimum FICO score requirements for certain programs such as term loans and LOC. Cash advance FICO requirements are generally lower.
‍
Businesses must be based in the United States.
‍

How is a loan or advance repaid?

Cash Advance: A fixed payment amount is deducted from your business bank account via ACH on a daily or weekly basis.
Term Loan: Monthly payment includes interest and principal
LOC: Monthly, interest only payments with principal payments due at the end of the term. LOC borrowers can withdraw principal amounts which have already beed paid again within the specified term.
Some programs, such as Cash Advance Loans offer discounts for early repayment.
‍

What are CAI’s pricing and fees?

The rate and pricing of each program is determined by amount, type of program and risk factors. For example, term loans have a fee between 2-6% depending on the amount of the loan which is performance based meaning it is only paid after closing and proceeds are disbursed to the lender.
‍
Depending on the product that you select, you may be charged an origination fee. These fees are always itemized in the funding documents which borrowers must review before closing.
‍
Cash Advance rates are often stated as a "factor rate" or “cents on”. This shouldn’t be confused with an annualized interest rate. For example, a factor rate of 1.24 is applied to the principal amount resulting in the payback amount. Payments are determined by dividing the payback amount which included principal and factor rate by the term in either days or weeks.
‍

A Hassle-free Process

At Capital Access International the funding experience takes a few days from start to finish and can be visualized below...

apply

You submit an application. Upon submission we will evaluate the file.

apply now

approval

After we review the account we issue a conditional approval with customized options. Once an option is selected, the agreement will be e-mailed or faxed to the client. After the executed agreement is received, CAI will perform final verifications and issue the final approval.

sign contracts

The contracts are signed, notarized and returned. Immediately thereafter we hold a conference call with the funder.

GET FUNDED

The money is wired directly to your bank account within 3 business days.

REPAY EFFORTLESSLY

Subsequently, one of our funding coordinators will set up the preferred payback platform for the merchant. After this the wire goes to the clients operating account and the automatic daily payments start the following day.

Get approved

Fast funding,
structured around
your needs.

Business Loans

Short-Term Working Capital