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CAPLOA

CAPLOA

Small Business Loans

Tailored Options

We're here to help you succeed on your own terms.

Transparent Pricing

We give you a comprehensive breakdown of your cost of capital.

Simple Process

Our application takes as little as 10 minutes. 15 Questions

Business Services

Merchant cash advance

A merchant cash advance (MCA) provides businesses with lump-sum financing in exchange for a percentage of future sales. We fund businesses based on future receivables and banking deposits, regardless of credit scores. 

WORKING CAPITAL

Businesses that  need a quick injection of cash. Working capital loans are perfect for businesses with steady revenue. They are ideal for business owners who need flexible, short-term funding without the hassle.

CREDIT REPAIR

If your credit has been damaged due to late payments, debts in collections, or neglect, we can help you get better rates.

term loans

A term loan provides funding for small businesses in a single lump sum. Established businesses with a big upcoming expense.

sba loans

The Small Business Administration (SBA) directly provides a few business loans, mainly through government-backed emergency programs. 

lines of credit

Companies with consistent expenses of varying amounts. A business line of credit provides access to a fixed amount of funding that borrowers can tap as needed. 

EQUIPMENT FINANCING

Businesses that need to finance big equipment purchases. Typically, the purchased equipment serves as collateral to secure the loan, which may allow the lenders to offer competitive interest rates

debt consolidation

Business loan consolidation simplifies your finances by merging multiple debts into a single loan, potentially lowering your interest rates and improving cash flow management.

factoring

We advance you funds based on future receivables to help with existing debt and inventory. 

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Simple Application

Initiate the procedure by completing a straightforward, single-page form provided.

Discuss Terms

After your application is approved, your representative will reach out to discuss your funding options with you.

Receive Funds

Upon signing contracts, funds could be transferred on the same day.


Easy Online Application

Start Your Journey: Begin your application journey with CAPLOA through our user-friendly online form. Designed for simplicity and convenience, it’s your first step towards securing the funding your business needs.

Quick and Accessible: Our streamlined application process ensures you can start anytime, anywhere, without complicated procedures.


Required Documents

Your Checklist for Success: To efficiently process your LOANS, we’ll need a few essential documents. We provide you with a clear checklist to help you gather and submit everything required without any hassle.

Transparent and Straightforward: Our checklist will detail the documents needed, ensuring you’re fully informed and prepared from the start.

FAQ

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Businesses that need funding to buy commercial property might benefit from a commercial real estate loan. Like equipment loans, the asset you’re buying (the property) serves as collateral to secure the loan. In the event of a default, the lender can foreclose and sell the property to someone else, recovering at least some of its investment.

Your company’s ability to qualify, its APR and the amount it can borrow may depend on factors such as:

  • The value of the property versus the purchase price (loan-to-value ratio)
  • Your business’ revenue and debt
  • Creditworthiness
  • Cash flow
  • Down payment size
  • Lender and loan type

Advantages and Disadvantages of Commercial Real Estate Loans

If you have good credit and you’re purchasing an asset with a favorable loan-to-value (LTV) ratio, you might be able to secure a low APR. Some lenders offer commercial real estate loans with interest rates as low as 3%.

However, if you have bad credit and opt to go through a hard money lender, the world of commercial real estate loans can be a lot different, and a lot more expensive. Not only may you face higher interest rates, but there could be prepayment penalties, balloon payments and more attached to your loan.

Most frequent questions and answers

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A Flexible Financial Tool

Discover how a Merchant Cash Advance (MCA) can unlock your business’s potential. It’s not just another funding option; it’s a flexible solution tailored to modern business needs.

Ideal for Working Capital

Whether you’re looking to boost your inventory, expand operations, or manage cash flow more effectively, an MCA provides the working capital you need when you need it.

Understanding MCA

Learn how this alternative financing differs from traditional loans, offering a straightforward and adaptable approach to business funding.

Effective & Flexible Pricing that Adapts to your Needs!

Effective & Flexible Pricing that Adapts to your Needs!

Flexibility

We prioritize transparency, ensuring no hidden costs, with all potential fees explicitly stated upfront. Rates are customized, taking into account your industry, financials, transaction history, and credit score, to ensure they suit your repayment capacity.

Repayment Options

We understand that sales can fluctuate. That’s why CAPLOA offers flexible repayment structures designed to align with your business’s unique sales patterns.

Your Loan Agreement

Before you commit, we provide a detailed explanation of your repayment schedule and total costs, ensuring you understand how factor rates impact your loan.

Rates and Fees

Our factor rates are competitive, ranging from 1.1 to 1.5, based on a thorough evaluation of your business to reflect its financial health, ensuring that we offer terms that are both fair and tailored to your specific business circumstances.

Repayment Options

We understand that sales can fluctuate. That's why Caploa offers flexible repayment structures designed to align with your business’s unique sales patterns.

Your Loan Agreement

Free Quote
Before you commit, we provide a detailed explanation of your repayment schedule and total costs, ensuring you understand how factor rates impact your loan.

Rates and Fees

Our factor rates are competitive, ranging from 1.1 to 1.5, based on a thorough evaluation of your business to reflect its financial health.

Flexibility

We prioritize transparency, ensuring no hidden costs, with all potential fees explicitly stated upfront. Rates are customized, taking into account your industry, financials, transaction history, and credit score, to ensure they suit your repayment capacity.

Effective & Flexible Pricing that
Adapts your Needs!

Repayment Options

We understand that sales can fluctuate. That's why Caploa offers flexible repayment structures for our MCAs, designed to align with your business’s unique sales patterns.

Percentage of Sales Repayment: This option allows a certain percentage of your daily or weekly debit/credit card sales to be automatically allocated towards repayment. It means when sales are up, you pay more, and when they're down, you pay less.

Fixed Withdrawals: For businesses with more predictable revenue, we offer the option of fixed daily or weekly withdrawals from your business bank account. This method provides consistency and ease in budgeting and financial planning.

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Rates and Fees

Clear and Competitive Factor Rates: Our factor rates range from 1.1 to 1.5, determined by a careful assessment of your business. We ensure our rates are competitive and reflective of your business's financial health.

Transparency in Costing: We believe in full transparency. That means no hidden fees or surprises. Any additional fees, such as administrative or underwriting fees, are clearly outlined upfront.

Customized Rate Assessment: Your industry, business financials, transaction history, and credit score are all considered to offer you the most favorable rate possible. We strive to provide rates that reflect your ability to repay comfortably.

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Making the Right Choice for Your Business

Empowered Decisions: With all the information at your fingertips, you can make a decision that’s right for your business.

Tailored Financial Solutions: At Caploa, we tailor our MCAs to fit your business's unique needs, ensuring a financial solution that supports your growth and success.

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Understanding Your MCA Agreement

Before you commit, we provide a comprehensive breakdown of your repayment schedule and total costs. This includes a clear explanation of how factor rates apply to your advance.

Our team is dedicated to ensuring you fully understand your MCA agreement. We're here to answer your questions and guide you through the terms, ensuring you make an informed decision.

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Advantages of Small Business Loans

Credit Building

Capital for Startup

Growth Financing

Equipment Acquisition

Cash Flow Management

Inventory Management

Where Your Business Goals Meet Our Expert Funding Solutions.

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Easy process

Fast funding

No hard credit pulls

At CAPLOA, we combine cutting-edge financial solutions with in-depth consulting services, positioning ourselves not merely as lenders but as dedicated partners in your journey towards growth and success.

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CONTACT DETAILS

  • +1 (516) 518-2199
  • info@caploa.com
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