โก
Working Capital Loans
๐ฐ $10Kโ$500K๐
3โ24 monthsโก 24โ48 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
๐ต
Payroll Loans
๐ฐ $10Kโ$500K๐
3โ18 monthsโก 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
๐ง
Equipment Financing
๐ฐ $10Kโ$2M๐
12โ84 monthsโก 24โ72 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
๐
Business Line of Credit
๐ฐ $10Kโ$250K๐
Revolvingโก 24โ48 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
๐๏ธ
SBA Loans
๐ฐ Up to $5M๐
Up to 25 yrsโก 30โ90 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
๐๏ธ
Retail Business Loans
๐ฐ $10Kโ$500K๐
3โ36 monthsโก 24โ48 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
๐ฆท
Dental Practice Loans
๐ฐ $25Kโ$5M๐
Up to 10 yrsโก 2โ8 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
๐
Startup Business Loans
๐ฐ $10Kโ$500K๐
3โ36 monthsโก 48โ72 hrs
Banks say no to startups. Our lender network says yes. Get funded with as little as 3โ6 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
๐๏ธ
Construction Financing
๐ฐ $10Kโ$5M๐
Flexible termsโก 24โ72 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