FUNDING PRODUCTS
Find the right small business loan with CapGap.
Small business loans provide financing to help business owners launch, run, and grow their businesses. CapGap has multiple funding options to meet your unique business needs.
Term Loans
A predictable product that is paid back at fixed intervals - with interest - over a set period of time.
Funding Amount:
Time to Fund:
FICO Score:
Time in Business:
Annual Revenue:
Repayment Terms:
$20 - 500K
1 - 5 business days
660+
2 years +
$100K +
2 - 6 years (24 - 72 months)
12 - 30% APR
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Advantages
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No prepayment penalty
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Deferred payments available
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Flexible terms without the hassle of a bank
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Funds available immediately upon approval
SBA 7a Loans
A cost effective product for both established businesses that have a clear growth plan or for startups that have collateral available and ample experience in their trade.
Funding Amount:
Time to Fund:
FICO Score:
Time in Business:
Annual Revenue:
Repayment Terms:
$500K
22 + business days
640 +
2 years +
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10 - 25 years
Prime+ 3%
Advantages
-
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Line of Credit
A financial product that gives access to a preset funding amount of working capital that can be used "on demand" as frequently as needed. This allows borrowers to only pay for what they need with zero maintenance fees.
Funding Amount:
Time to Fund:
FICO Score:
Time in Business:
Monthly Revenue:
Repayment Terms:
$5 - 250K
Within 24 hours
650 +
1 year +
$15K +
6 - 24 month terms per draw.
Flexible weekly or monthly payments.
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Advantages
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Upon approval, funds available in less than 10 minutes
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Repay only the amount withdrawn & pay interest only while you have a balance outstanding
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No early repayment penalties
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Use only what you need, when you need it
Merchant Cash Advance
An unsecured no frills working capital product for businesses that just need the opportunity to grow or require funds in a pinch.
Funding Amount:
Time to Fund:
FICO Score:
Time in Business:
Monthly Revenue:
Repayment Terms:
$5 - 2MM
2 - 24 hours
500+
3 months +
$10K +
12 months available
Daily or Weekly payments
18 - 45% APR
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Advantages
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No personal guarantee
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Funds within 24 hours
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Limited documentation required
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Only 3 months in business to qualify
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Prepay incentive options available
Consolidations
Reverse Consolidations allow you to free up day to day cashflow to give your business more breathing room until existing merchant cash advances are paid off. Typically merchants save 30 - 60% off what they are currently paying.
Funding Amount:
Time to Fund:
FICO Score:
Time in Business:
Monthly Revenue:
Repayment Terms:
Unlimited
Within 24 hours
500+
3 months +
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6 - 18 months.
Daily payback up to 50% reduction of current combined payments.
Advantages
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Improve daily cash flow instantly
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Additional capital available alongside consolidation
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Save up to 50% of what you're currently paying per week