We design capital around the deal.
No template, no take-it-or-leave-it term sheet. Here’s exactly how a funding conversation with Capital Source works — from first contact to capital in motion.
Most lenders start with a box and check whether your business fits it. We work the other way around: we start with your business — looking at how revenue moves, what you’re trying to accomplish, and where the cash flow pressure sits — then structure the capital around that. The process is built to be fast, transparent, and creative. At the end of the day, capital should make sense for your business and support the outcome you’re trying to achieve.
From conversation to capital, in three steps
Tell us about the deal
Start with the online application or a conversation with our Deal Desk. We want the short version of your story: what you need, what it unlocks, and how your revenue runs. Minimal documentation to get started — typically a short application and a few months of recent business bank statements.
Underwriting that reads the business
We weigh how your business actually performs — revenue, deposits, cash flow, time in business — not just a credit score. In connection with underwriting, and upon execution of our Business Capital Application, we reserve the right to obtain credit reports via soft credit inquiries, which, unlike hard inquiries, do not impact your credit score.
Structure, terms, funding
If your profile fits, a funding specialist walks you through options structured around your cash cycle — and you’ll understand the terms before you commit. When timing matters, we move quickly: decisions as fast as 24–48 hours once we have what we need, with funds made available after your agreement is signed.
What we actually look at
Revenue & deposits
The clearest signal of a healthy operating business: consistent money moving through your business accounts.
Cash cycle
Seasonality, receivables timing, supplier terms — the rhythm your capital has to match.
The opportunity/use-case
What the capital does: the inventory buy, the contract, the expansion. Capital should have a job.
Track record
Time in business and how you’ve operated through cycles — judgment, not just numbers.
Industry context
We fund across industries with no SIC-code restrictions. Your vertical’s cash dynamics inform the structure, not your eligibility.
Existing obligations
What’s already on the balance sheet, so new capital strengthens the business instead of straining it.
What we ask of you: the real picture.
KYC Underwriting works best with straight answers — the actual financial data/facts, the actual plan. In return you get the same from us: real options, plain terms, and a clear no if it’s not a fit. That’s the trade that’s kept operators coming back since 2015.
Our commitments
- You’ll understand the structure and terms before you commit — no surprises at signing.
- We move at the speed of your opportunity — decisions as fast as 24–48 hours once we have what we need.
- Your personal FICO score isn’t the deciding factor; business performance is.
- A real team on the other end — talk to our Deal Desk at any point in the process.
- If we’re not the right fit, we’ll tell you straight rather than force a structure that doesn’t serve you.
Where this fits
Working capital is the core of what we structure — from $50,000 to $8 million, sized to your revenue. Explore our solutions for the full range: working capital, asset-based lending, invoice factoring, equipment financing, and more — or see the industries we fund.
Start the conversation.
Tell us where your business is headed and we’ll structure capital around it. No obligation — and you’ll understand every term before you commit.