Funding Solutions Built for Your Business

Eight specialized loan products. One application. 50+ lenders competing for your business.

โšก

Working Capital Loans

๐Ÿ’ฐ $10Kโ€“$500K๐Ÿ“… 3โ€“24 monthsโšก 24โ€“48 hrs

Cover payroll, inventory, rent, and everyday expenses during slow seasons or unexpected cash flow gaps. One application, multiple lender offers โ€” funded as fast as the same day.

Best for
  • Restaurants & retail covering slow seasons
  • Businesses bridging client payment gaps
  • Any business needing fast, flexible cash
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๐Ÿ’ต

Payroll Loans

๐Ÿ’ฐ $10Kโ€“$500K๐Ÿ“… 3โ€“18 monthsโšก 24 hrs

Revenue is lumpy. Payroll isn't. Cover the gap between what you've earned and what's in your account โ€” so your team gets paid on Friday, no matter what.

Best for
  • Bridging net-30/60 invoice timing gaps
  • Seasonal revenue dips with fixed payroll
  • Fast-growing teams outpacing cash flow
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๐Ÿ”ง

Equipment Financing

๐Ÿ’ฐ $10Kโ€“$2M๐Ÿ“… 12โ€“84 monthsโšก 24โ€“72 hrs

Finance trucks, trailers, machinery, dental chairs, restaurant equipment, and more โ€” new or used. Many programs require $0 down for established businesses.

Best for
  • Contractors, truckers, and landscapers
  • Dental and medical equipment upgrades
  • Restaurant and retail equipment
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๐Ÿ”„

Business Line of Credit

๐Ÿ’ฐ $10Kโ€“$250K๐Ÿ“… Revolvingโšก 24โ€“48 hrs

Draw what you need, repay it, and draw again. Only pay interest on what you use. The most flexible funding option for businesses with variable or seasonal cash flow.

Best for
  • Seasonal businesses managing cash flow
  • Owners who want ongoing access to capital
  • Businesses with variable or unpredictable revenue
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๐Ÿ›๏ธ

SBA Loans

๐Ÿ’ฐ Up to $5M๐Ÿ“… Up to 25 yrsโšก 30โ€“90 days

The lowest rates available to small businesses โ€” government-backed programs that reward strong businesses. Caply handles the complexity so you can focus on your business.

Best for
  • Established businesses with strong financials
  • Practice and business acquisitions
  • Long-term expansion and real estate
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๐Ÿ›๏ธ

Retail Business Loans

๐Ÿ’ฐ $10Kโ€“$500K๐Ÿ“… 3โ€“36 monthsโšก 24โ€“48 hrs

Built for retail cash flow cycles โ€” stock up before peak season, cover slow months, and fund new location buildouts without draining your reserves.

Best for
  • Inventory restocking before peak season
  • New location buildouts and renovations
  • Covering payroll during slow periods
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๐Ÿฆท

Dental Practice Loans

๐Ÿ’ฐ $25Kโ€“$5M๐Ÿ“… Up to 10 yrsโšก 2โ€“8 weeks

Specialized financing for dental practices โ€” equipment, buildouts, practice acquisitions, and working capital. Lenders who understand how dental businesses actually operate.

Best for
  • Practice acquisitions and buyouts
  • Dental equipment (CEREC, X-ray, chairs)
  • New office buildouts and expansions
Learn More Apply Now
๐Ÿš€

Startup Business Loans

๐Ÿ’ฐ $10Kโ€“$500K๐Ÿ“… 3โ€“36 monthsโšก 48โ€“72 hrs

Banks say no to startups. Our lender network says yes. Get funded with as little as 3โ€“6 months in business โ€” no long track record or tax returns required.

Best for
  • Businesses under 2 years old
  • First-time business owners
  • Owners who've been turned down by banks
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Construction Financing

๐Ÿ’ฐ $10Kโ€“$5M๐Ÿ“… Flexible termsโšก 24โ€“72 hrs

Bridge payment gaps, finance equipment, and cover project startup costs. Specialized lenders who understand project-based cash flow โ€” not just a smooth revenue curve.

Best for
  • General contractors and specialty trades
  • Equipment financing for construction
  • Bridging gaps between project payments
Learn More Apply Now

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