How it
Works

Small Business Financing

How it
Works

Small Business Financing

It all starts with a quick application so we can learn more about your small business.
If we are a fit and your business is fully approved, our team will work quickly to send over the funds.

Providing you with the best
business solution is our goal

If you need financing for new furniture, fixtures and equipment (FF&E), a property improvement program, a brand mandate or a store remodel, Carpe Capital can help. We are a top-rated business lender that offers small business financing to small business owners in many different industries, and we can structure a flexible, affordable solution based in your specific needs and budget.

Carpe Capital has provided funding to small business owners throughout the United States, and we can do the same for you. You will be glad to know that we have competitive rates and simple payment terms. In addition, we are known for our quick turnaround times.

Ready To Find The Perfect Loan For Your Business?

Ready To Find The
Perfect Loan For
Your Business?

Business
Financing
Options

Small Business Loan

Loan Amounts: $5k - $1mm
Loan terms: 3 - 60 months

Great for receiving funds in one lump sum with fixed payments and a fixed term. Small business loans are ideal for bridging a gap or fluctuation in business cash flow, for a one-off purchase of equipment, to capitalize on an opportunity or complete a big job.

Payment Frequency:
Fixed daily, weekly or monthly payments automatically withdrawn from the business bank account on file.

Key Benefits:
Easy application process, fixed payments, longer terms and access to higher dollar financing amounts.

Cost and Fees:
An interest charge or fixed fee will be charged. Other fees may also be charged.

Invoice Factoring

Advance Amount: $20k - $10mm

Invoice factoring, also known as accounts receivables factoring, allows businesses to turn pending invoices into immediate funds.

Easy Application:
Apply and submit your outstanding invoices.

Simple Process:
Get immediate access to capital on outstanding 30, 60 or 90 day invoices.

Asset Based Loan

Loan Amounts: $75k - $2mm
Loan terms: 5 - 20 years

Asset based loans are based on company assets that are used as collateral to secure business financing. The company can borrow on an ongoing basis to cover expenses or investments.

Payment Frequency:
Monthly payments from an account on file.

Commercial RE Loan

Loan Amounts: $50k - $10mm
Loan terms: 6 - 36 months

A loan to help finance the purchase, development, or repair of land, buildings, offices, and other commercial properties.

Payment Frequency:
Fixed daily, weekly or monthly payments.

Merchant Cash Advance

Advance Amounts: $5k - $500k

Variable payments based on a portion of your credit card sales or other receivables. An advance is great for businesses that want more flexibility as the advance has variable payments based on credit card sales or receivables.

Estimated Completion Date*
Payments are based on the business’ receivables so there is no fixed payment term.

Payment Frequency:
Variable automatic payments based on the business receivables.

Flexible Payments:
Automatic payments calculated based on a percentage of the business’ credit card sales or other receivables.

Cost and Fees:
The receivables are purchased at a discounted price and fees may be charged and deducted from the advance amount.

*Calculated based on the estimated time it will take the business to deliver the receivables (which will vary based on the business’ performance). These estimated completion dates typically range between 3 months up to 18 months.

Line of Credit

Credit Limits: $5k - $250k

A business line of credit is ideal for repeat cash flow needs. Businesses have access to the approved amount whenever they need it, which makes it great for those unexpected expenses.

Payment Terms:
Amortization from 3-18 months. Term may reset every time you draw capital.

Payment Frequency:
Fixed daily, weekly or monthly payments automatically withdrawn from the business bank account on file.

Key Benefits:
Flexible - Allows a business to have ready capital on hand for whenever necessary.

Cost and Fees:
An interest charge or fixed fee will be charged. Other fees may also be charged.

SBA Loan

Credit Limits: $500 - $5.5mm
Loan Terms: 1 - 30 years

An SBA loan is a long-term, low fee small business loan partially guaranteed by the government that can be used for business purposes

Payment Frequency:
Monthly payments from an account on file.

Bridge Loan

Loan Amount: $5k - $1mmbr> Loan Terms: 3 - 60 months

A short term loan available to businesses while they secure permanent financing or remove an existing financial obligation. Ideal for businesses that need to meet current obligations with immediate cash flow.

Payment Frequency:
Fixed daily, weekly or monthly payments automatically withdrawn from the business bank account on file.

Cost and Fees:
An interest charge or fixed fee will be charged. Other fees may also be charged.

Important considerations for small business financing

  • Does your business accept credit cards, have lots of receivables or is seasonal?
  • Do you need capital short term or long term?
  • Can a low credit score impact you when applying for small business financing?
  • Do you need capital to cover unexpected costs?

Have Questions?

Speak To Business Advisor Today