Get Capital Now

What Get Capital Now does

Get Capital Now is an alternative business financing provider headquartered in New York that originates (or brokers) a broad suite of capital products to US-based small and medium-sized businesses that have been declined by traditional banks. The product portfolio spans Merchant Cash Advances, Lines of Credit, Term Loans, SBA Loans, Equipment Finance, Invoice Factoring, Asset-Based Lending, Start-Up Loans (up to $100,000 for un-revenue businesses), and Personal Loans, with funding sizes ranging from $5,000 to $10,000,000 and terms from 4 months to 30 years. Underwriting thresholds are relaxed relative to banks (475+ credit score and $10,000 minimum monthly revenue for cash advances), and the company advertises same-day funding and a claimed 97% approval rate.

The go-to-market is a direct-to-SMB model combining a self-serve online application (with SMS status updates) and phone-based inside sales staffed Monday-Friday 9am-7pm. Distribution is purely direct with no disclosed broker or ISO partnerships; marketing channels are limited to the company website, organic search, and inbound calls/emails. The technology stack is opaque: there is no public API, no disclosed underwriting model, and no mobile application. Customer testimonials highlight named account managers (Ben, Jaime, Kevin) and small case-study transactions across industries such as web development, construction, and healthcare, supporting a horizontal SMB focus rather than vertical specialization.

The business model is transaction-fee plus interest/spread-based: revenue is generated through MCA discount rates, line-of-credit interest on drawn balances, term-loan interest and origination fees, equipment lease fees, and invoice-factoring discounts. Pricing is fully quote-based and personalized post-underwriting; no public rate cards exist. The company reports cumulative origination of over $500 million to approximately 30,000 businesses, but is supported by a lean team of 6 employees, no disclosed institutional capital, and no parent company. There are no public funding rounds, M&A activity, patents, partnerships, awards, or regulatory disclosures in the source material.

Name

Get Capital Now

Legal name

Get Capital Now

Website

https://getcapnow.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Get Capital Now is a New York-based alternative financing provider offering merchant cash advances, term loans, SBA loans, lines of credit, and related products to US small and medium-sized businesses unable to access traditional bank funding.

Ownership category

akta.pro rank

Product category

Alternative Business Lending

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Loan Brokers (6163)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Alternative business lending
• Merchant cash advance
• Business line of credit
• SBA loan services
• Invoice factoring

Headquarters

HQ city

New York

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. Merchant Cash Advance (MCA): A lump sum payment in exchange for a percentage of future sales. Repayment is made through daily or periodic deductions from merchant transactions. No collateral required. Revenue is generated through the fees and percentage taken from future sales.
2. Lines of Credit: Revolving credit facility allowing businesses to access funds as needed up to a predetermined limit. Borrowers only pay interest on drawn amounts. Revenue generated through interest charges on outstanding balances.
3. Term Loans/SBA Loans: Traditional term loans with fixed repayment schedules over 2-10+ years. SBA loans are partially government-guaranteed. Revenue generated through interest rates and origination fees.
4. Equipment Finance: Financing for equipment purchase or lease where equipment serves as collateral. Revenue through interest payments and lease fees.
5. Invoice Factoring: Purchase of unpaid invoices at a discounted rate for immediate cash. Revenue generated through the discount/fee taken from invoice value.
6. Asset-Based Lending: Loans secured by business assets (accounts receivable, inventory, equipment) as collateral. Revenue through interest and origination fees.
7. Start-Up Loans: Financing for new businesses without revenue requirements. Personal credit (650+) can be used. Revenue through interest rates and fees.
8. Personal Loans: Personal funding options for individuals wanting to start businesses without business revenue. Revenue through interest and fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Get Capital Now is a direct alternative business lender that provides SMBs and startups with fast access to capital through nine funding products: Merchant Cash Advance, Lines of Credit, Term Loans, SBA Loans, Equipment Finance, Invoice Factoring, Asset-Based Lending, Start-Up Loans, and Personal Loans. Funding ranges from $5,000 to $10,000,000 with terms from 4 months to 30 years, and the company advertises same-day funding upon approval using a 3-step online application and underwriting process.

Product overview

Get Capital Now is an alternative financing platform offering a comprehensive suite of business funding products designed for companies that may not qualify for traditional bank loans. The product portfolio includes Merchant Cash Advance (MCA), Lines of Credit, Term Loans, SBA Loans, Equipment Finance, Invoice Factoring, Asset Based Lending, Personal Loans, and Start-Up Loans. These products range from unsecured short-term cash advances (4-24 months, $5,000-$10,000,000) to longer-term structured loans (2-30 years), serving businesses across any industry and state with funding options tailored to various credit profiles and revenue situations.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Cash Advance (MCA) Unsecured lump-sum funding for business owners in exchange for a percentage of future sales, with quick approval, no collateral required, and funding available in 24 hours.
• Line of Credit Revolving financing source that provides flexible access to funds as needed up to a predetermined limit, with 680+ credit score and interest-only payments on drawn amounts.
• Term Loan Traditional lump-sum loan repaid over a set period (2–5 years) with monthly payments and interest, available as secured or unsecured.
• SBA Loan Government-guaranteed financing through the Small Business Administration with longer repayment terms of 10–30 years and lower interest rates than traditional loans.
• Equipment Finance Financing to purchase or lease equipment, where the equipment itself serves as collateral for the loan.
• Invoice Factoring Businesses sell unpaid invoices at a discount to receive immediate cash flow, with the factor collecting from the invoice debtor.
• Asset Based Lending Secured financing where businesses use assets such as accounts receivable, inventory, equipment, or real estate as collateral.
• Start-Up Loans Financing for new businesses with no revenue history, providing up to $100,000 for startup costs, with 680+ credit score and clean credit history required.
• Personal Loans Personal funding for individuals without a business, based on a 650+ personal credit score with no revenue requirements.

Quantifiable outcome

• 97% approval rate for business funding applications
• +3 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles2 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

Direct peers

• Fundbox: Fundbox offers lines of credit and invoice-based financing to SMBs through a fully digital application and underwriting experience. Comparable on digital SMB working-capital lending and target customers with limited access to traditional credit.
• Biz2Credit: Biz2Credit is an SMB funding marketplace connecting businesses to banks and alternative lenders across term loans, SBA, LOC, and MCA. Comparable as a multi-lender SMB origination/distribution platform targeting bank-rejected borrowers.
• Credibly: Credibly provides working capital, term loans, and lines of credit to SMBs with a focus on fast approvals and flexible underwriting. Comparable multi-product offering, target customer profile, and inside-sales-led origination.
• Lendio: Lendio is an SMB lending marketplace connecting business owners to multiple lenders across products including MCA, term loans, SBA, LOC, and equipment financing. Directly comparable as a multi-product SMB funding distributor targeting bank-rejected borrowers with a similar inside-sales/online application funnel.
• Forward Financing: Forward Financing provides revenue-based financing (MCA-style) and working capital to SMBs via a fast, online application process. Direct competitor in the revenue-based alt-financing segment targeting underbanked SMBs.
• CAN Capital: CAN Capital has historically been a leading direct provider of Merchant Cash Advances and working capital loans to SMBs. Direct competitor in the MCA-led alt-financing segment with similar inside-sales distribution to underserved SMBs.
• National Funding: National Funding is an alternative SMB lender providing working capital, MCA, equipment financing, and term loans to underserved small businesses. Direct competitor with similar inside-sales distribution and bank-rejected SMB focus.
• BlueVine: BlueVine provides SMB financing including lines of credit, invoice factoring, and term loans via a digital application process. Comparable on multi-product SMB lending, online self-serve application, and target bank-rejected SMB segment.
• OnDeck Capital (OnDeck / ODX): OnDeck is a leading online SMB lender offering term loans and lines of credit to small businesses, with proprietary underwriting and same-day funding. Directly comparable product set, target customer (bank-rejected SMB), and emphasis on speed of funding.

Others

• Accion: Accion is a nonprofit small-business lender and advisory organization providing loans and credit to underbanked micro/SMB owners. Comparable on target customer (underbanked SMBs needing capital banks won't provide) and product suite (term loans, LOC, micro-loans) though operating model is nonprofit/impact-focused rather than for-profit.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/get-capital-now

Revenue estimate

Valuation estimate

Number of profiles

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 Get Capital Now