Capital Biz Solutions

What Capital Biz Solutions does

Capital Biz Solutions, Inc. is a privately held commercial lending brokerage founded in 2015 and headquartered in Northborough, Massachusetts. The firm operates as a middleman connecting small and mid-sized businesses seeking capital with a curated network of niche and specialty lenders. Its product suite spans more than 18 instruments including SBA loans, term loans, bridge loans, lines of credit, equipment financing, merchant cash advances, and CRE financing, with explicit focus on underserved verticals such as dental practices, cannabis operators, real estate investors, and commercial real estate sponsors. No proprietary technology platform is described; the broker-matching function appears to be executed through founder-led relationships and manual underwriting routing.

The company's go-to-market is relationship- and content-driven: free consultations, an active LinkedIn presence, and a blog publishing through March 2025. Founder and CEO Gene Amato brings 30+ years of commercial lending experience, and is supported by board member Kerry S. Leppo and CFO/VP and board advisor Tony Boschetto. The firm has no disclosed outside funding and operates with 1–10 employees, consistent with a boutique brokerage rather than a scaled fintech.

Revenue mechanics are transaction-based — origination and referral fees on closed loans — with no recurring SaaS or subscription component disclosed. A 2025 strategic partnership with Vergne Equity materially extended the firm's deal envelope, adding access to global debt and equity capital, $20M+ commercial real estate transactions, $5M+ private capital raises, and international bridge loans, alongside new instruments such as private credit funds and private equity bridge loans. The company has not disclosed revenue, funding, or valuation figures.

Name

Capital Biz Solutions

Legal name

Capital Biz Solutions, Inc.

Website

https://capitalbizsolutions.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Capital Biz Solutions is a Northborough, MA-based commercial lending brokerage founded in 2015 that connects SMB borrowers — particularly dental practices, cannabis operators, and real estate investors — with a network of niche lenders across SBA, term, bridge, and equipment financing products.

Ownership category

akta.pro rank

Product category

Business Lending Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Business lending brokerage
• Commercial real estate financing
• SBA loan solutions
• Small business lending
• Dental practice lending

Headquarters

HQ city

Worcester

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Lending Brokerage/Matching Fees: Capital Biz Solutions acts as an intermediary between businesses seeking financing and lenders. They earn fees by connecting borrowers with appropriate lenders in their network. The company matches businesses with lenders that fit their specific needs based on financial condition, matching clients with the best value lending options.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Capital Biz Solutions is a business lending brokerage that acts as an intermediary between U.S. businesses seeking capital and a network of niche lenders. The company matches borrowers with financing solutions such as SBA loans, term loans, bridge loans, lines of credit, equipment financing, commercial real estate loans, and specialty offerings for dental, cannabis, and real estate investors. Revenue is generated through referral or transaction fees on funded loans.

Product overview

Capital Biz Solutions is a business lending brokerage platform that connects businesses with tailored financing solutions across a network of niche lenders. The company offers a comprehensive suite of lending products including term loans, bridge loans, SBA loans (7(a), 504, Express), business lines of credit, equipment financing, invoice financing, merchant cash advances, and asset-based loans. Their specialty offerings include dental practice lending, cannabis lending, and creative real estate lending. The platform also provides commercial real estate financing, working capital loans, equity capitalization services, and partners with Vergne Equity for debt and equity financing including private credit funds and private equity bridge loans. The company acts as an intermediary matching borrowers with appropriate lenders throughout the United States.

Differentiator

Problem solved

Functional benefit

Products and services

• Term Loans
• Bridge Loans
• SBA 7(a) Loans
• SBA 504 Loans
• SBA Express
• Business Lines of Credit
• Equipment Financing
• Invoice Financing
• Merchant Cash Advances
• Asset-Based Loans
• Commercial Real Estate Loans
• Dental Practice Lending
• Cannabis Lending
• Creative Real Estate Lending
• Working Capital Loans
• Equity Capitalization
• Private Credit Funds (via Vergne Equity partnership)
• Private Equity Bridge Loans (via Vergne Equity partnership)
• Equity Partnerships (via Vergne Equity partnership)

Quantifiable outcome

• 90% of businesses using CBS services receive funding
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Fora Financial: Direct alternative SMB lender specializing in working capital, MCAs, and short-term financing for SMBs underserved by banks. Closely aligned with CBS's alternative-lending positioning for under-capitalized small businesses.
• Biz2Credit: SMB lending marketplace connecting small businesses with banks and alternative lenders for term loans, lines of credit, SBA loans, and CRE financing. Directly comparable intermediary model and product suite to CBS.
• SmartBiz: SBA-focused online loan broker that streamlines SBA 7(a) and 504 origination for small businesses. Overlaps with CBS's SBA loan product set and SMB target market; differentiated by deeper SBA specialization and more automated workflow.
• Fundera: SMB loan marketplace (now part of NerdWallet) that matches small businesses with lenders across term loans, lines of credit, SBA loans, and short-term financing. Directly comparable business model and customer base to CBS, with a stronger digital self-serve layer.
• National Business Capital: Direct SMB loan broker offering working capital, SBA loans, equipment financing, CRE loans, and MCAs through a multi-lender network. Closely mirrors CBS's product breadth and broker-driven model, serving similar SMB customers rejected by traditional banks.
• Lendio: Largest US SMB loan marketplace connecting business owners with a network of lenders across SBA, term loans, lines of credit, MCAs, and equipment financing. Most direct competitor to CBS in the SMB loan brokerage category, though Lendio is significantly more digitized and scaled.

Regional players

• Accion Opportunity Fund: Mission-driven small business lender providing working capital loans and SBA products to underserved SMBs across the US. Comparable focus on serving rejected/underbanked small businesses but operates as a direct CDFI lender.

Others

• Vergne Equity: Strategic partner of Capital Biz Solutions providing global debt and equity financing for US real estate, private credit funds, equity raises with family offices/VCs/HNW investors, and PE bridge loans. Adjacent rather than competing — provides the upstream capital CBS accesses for larger-ticket deals.

Broad incumbents

• BlueVine: Online SMB lender offering lines of credit, invoice factoring, and term loans. Targets similar SMB customers CBS serves but as a balance-sheet lender rather than intermediary; represents a competitive threat via digitization.
• Funding Circle US: Online SMB lender and marketplace (P2P heritage) providing term loans and lines of credit to small businesses. Comparable SMB target market but operates as a direct/originating lender rather than a pure broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/capitalbizsolutions
• LinkedInlinkedin.com/company/capital-biz-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Capital Biz Solutions