What Liberty Capital Group does

Liberty Capital Group, Inc. is a privately held business loan broker and alternative lender founded in 2004 and headquartered at 1011 Camino Del Rio South, San Diego, California (NMLS ID 2009539; California DFPI CFL License 60-DBO49692). The company operates under a broker/origination model, connecting small businesses across all 50 states to a nationwide network of banks and alternative lenders, and it also operates a DBA brand, Quote2Fund.com. Its first funded transaction was a used excavator in 2005, and it has been continuously operating for 20 years.

The company's product platform spans business term loans, business lines of credit, merchant cash advances (MCAs), equipment financing and leasing, commercial real estate loans, SBA loans, unsecured and secured business loans, sale-leaseback, invoice factoring, and revenue-based working capital. Underlying this breadth are roughly two dozen industry-vertical specializations including medical, construction, trucking, restaurants, auto repair, car wash/gas stations/c-stores, cleaning, fitness, laundry, beauty salon, manufacturing, and subcontractors. The technology stack is a conventional brokerage platform: an online application with soft-inquiry pre-qualification, an instant quote calculator, secure document upload, and DocuSign-based e-signature, with a waterfall underwriting logic that submits bank/LOC applications first when qualification allows and falls back to alternative products including MCAs as a safety net. A vendor/dealer financing program extends distribution to equipment vendors with up to 100% pre-funding.

Liberty Capital Group generates revenue through transaction fees rather than interest income: origination fees of 3-6% on bank term loans, 6% on lines of credit, and 3% on non-bank equipment loans, plus MCA arrangement fees tied to $1.10-$1.50 per dollar advanced factor rates. Distribution is direct-to-SMB through the company website, organic SEO, content marketing, social media, online application, and phone-based inside sales staffed by dedicated Funding Advisors; no third-party resellers are used except the equipment vendor/dealer channel. The company is independent, founder/operator controlled, with no disclosed institutional investor or parent entity, and it employs 11-50 people.

Name

Liberty Capital Group

Legal name

Liberty Capital Group, Inc.

Website

https://www.libertycapitalgroup.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Liberty Capital Group is a privately held San Diego-based SMB loan broker and alternative lender, founded in 2004, that connects small businesses nationwide to a multi-lender network offering term loans, lines of credit, MCAs, equipment financing and leasing, SBA loans, and vertical-specific financing across 15+ industries.

Ownership category

akta.pro rank

Product category

Small Business Lending / Alternative Commercial Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Small business lending
• Equipment financing
• Merchant cash advance
• Commercial truck financing
• Business line of credit

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Loan Brokerage Fees: Liberty Capital Group acts as an intermediary connecting borrowers with lenders. The company earns revenue through origination fees charged to borrowers (3-6% based on approved line amount for bank term loans, 6% for lines of credit) and potentially through relationships with lending partners.
2. Equipment Financing Origination: Fees for arranging equipment financing, equipment leasing, and equipment finance agreements. Origination fees from 3.0% for non-bank term loans.
3. Merchant Cash Advance Arrangement: Arrangement of MCAs with factor rates typically $1.10-$1.50 per dollar advanced, serving as a funding source when higher-tier options are unavailable.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Liberty Capital Group is a business loan broker and alternative lender that connects small businesses across the United States to a nationwide network of banks and alternative funding sources. Through a single online application and consultation with a dedicated Funding Advisor, the company matches borrowers to financing products including equipment financing and leasing, business term loans, business lines of credit, merchant cash advances, SBA loans, commercial real estate loans, and commercial truck financing. The firm specializes in serving small businesses with challenged credit profiles who have been declined by traditional banks.

Product overview

Liberty Capital Group is a business loan broker and financing company offering a comprehensive suite of funding solutions through a multi-lender network. The core platform provides multiple loan products including Business Loans, Business Lines of Credit, Merchant Cash Advances, Equipment Financing, Equipment Leasing, Commercial Loans, and SBA Loans. These products are designed to serve diverse industries with specialized verticals for medical equipment, construction equipment, restaurant equipment, auto shop, cleaning, fitness, laundry, beauty salons, car washes, manufacturing, and commercial trucking. The company acts as a broker connecting borrowers with appropriate lenders and funding sources, offering one application that unlocks multiple loan options. Key features include application-only programs up to $250,000 without financials, up to $5,000,000 with full financials, flexible terms from 12-84 months, and promotional offers like $99 first payments and 90-day deferred payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans Traditional term loans for businesses with competitive rates starting at WJS Prime + 3-8.99%, requiring minimum 680 FICO, 2-3 years in business, and financial documentation. Features monthly payments, early payoff discounts, and 3-6% origination fees.

Quantifiable outcome

• Funding approval possible within 24-72 hours for equipment financing
• +3 more outcomes

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Equipment Dealers and VendorscoreChannel Partner/ Reseller/ DistributorLiberty Capital has a vendor financing program where equipment dealers and vendors refer customers or offer financing at point of sale. Vendors can sign up for the program with no payment for 90 days. The company pre-funds approved vendors up to 100%. Vendors must be approved and verified to ensure transaction legitimacy.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lendio: Lendio is a leading small business loan marketplace that matches borrowers to a network of lenders across SBA loans, lines of credit, equipment financing, and MCAs — directly comparable to Liberty Capital Group's broker model and product breadth.
• National Funding: National Funding is a small business lender and broker offering working capital, equipment financing, and MCAs to SMBs across multiple verticals — overlapping heavily with Liberty Capital's core product suite and customer base.
• CAN Capital: CAN Capital provides working capital loans and MCAs to small businesses, often via broker and ISO channels. Comparable to Liberty Capital's MCA-driven offering and SMB focus.
• BlueVine: BlueVine is an online fintech providing small business lines of credit, term loans, and invoice factoring — competing for the same underserved SMB borrower that Liberty Capital targets, with a more technology-led delivery model.
• OnDeck (Enova): OnDeck, owned by Enova International, originated online short-term small business loans and lines of credit to SMBs — direct competitor in the working capital and short-term business credit segment.
• Funding Circle US: Funding Circle operates an online SMB loan marketplace connecting small businesses with term loans and lines of credit — comparable broker/origination platform targeting similar customer profiles.
• Fora Financial: Fora Financial is an alternative small business funder focused on working capital, MCAs, and revenue-based financing — directly comparable to Liberty Capital's MCA-heavy product mix and SMB underwriting.
• Currency (formerly Currency Capital): Currency is a small business loan and equipment financing marketplace/broker with a multi-lender model similar to Liberty Capital's, particularly in equipment financing and SMB working capital.
• Balboa Capital: Balboa Capital is a direct alternative lender focused on equipment financing and working capital for SMBs — comparable in product mix (especially equipment financing) and target customer.

Emerging players

• SmartBiz Loans: SmartBiz is a fintech-focused SBA loan marketplace serving small businesses — overlapping with Liberty Capital's SBA loan offering but narrower in product scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/LCGfunding
• Facebookfacebook.com/Liberty-Capital-Group-410880838974026
• LinkedInlinkedin.com/company/liberty-capital-group-inc
• Instagraminstagram.com/lcgfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Capital Group