Funding
Capital for Every Stagefrom Little Revenue to a Large File.
Seven funding paths, matched to where your business actually is right now. Tell us the situation and we'll tell you honestly which structure fits — and which you should skip. Decisions in about 24 hours.
~24 hrs
from application to answer
Our Programs
What We Offer.
Seven capital programs, each built for a different situation. Here's what every one of them is, and when it's the right call.
Revenue Based Financing
An advance against the revenue your business is already producing, repaid as a small, agreed share of what you collect. No fixed monthly withdrawal to carry — the repayment tracks your actual income.
Good fit for
Steady recurring revenue
Split Pay Funding
Credit card splits. A lump sum now, repaid automatically as a percentage of your daily card settlements, taken straight off the batch. Repayment moves with your sales — slow month, less comes out.
Good fit for
Card-heavy businesses
Lines of Credit
A standing facility you draw on when you need it and pay for only what's out. The right tool for uneven cash flow, seasonal gaps and opportunities that won't wait for a new application.
Good fit for
Uneven cash flow
Term Loans
A fixed amount on a fixed schedule, so you know exactly what leaves the account each month. Best when you're funding something planned and want the certainty of a set payment.
Good fit for
Planned investments
Equipment Financing
Fund the truck, the machine, the kitchen or the fit-out. Secured against the asset you're buying, which keeps the terms friendlier than unsecured lending.
Good fit for
Buying hard assets
Partner Capital
For larger files, we bring in our partner capital relationships to assemble a facility bigger than a single lender would write alone — and you still deal with one team.
Good fit for
Larger facilities
SBA Loan Paths
Government-backed lending with longer terms and lower rates. The strongest pricing available when you qualify — we'll tell you honestly how long the process really takes.
Good fit for
Qualifying businesses
Where You Are Now
We Stay with a Company from Little Revenue to a Large File.
Most funders pick a lane — small and simple, or big and serious. Capvera doesn't. You move up through the same relationship, with the same team.
Launch
Little or No Revenue Yet
Just getting going? Launch gets you working capital plus simple processing — card acceptance set up properly from day one, so your first sales already build the history your next round of funding will rest on.
- Working capital for early needs
- Simple, low-friction card processing
- Visa, Mastercard and Amex accepted
Traction
Consistent Revenue, Growing
You've found repeatable sales. Traction is revenue-based funding and split funding taken off your card batches — capital based on what you're actually collecting, repaid the same way.
- Revenue-based financing
- Split funding off card batches
- Repayment that moves with your sales
Scale
Established and Expanding
Proven numbers and a specific plan. Scale opens up lines of credit, term loans and equipment financing — bigger facilities, structured to match how you want to invest.
- Lines of credit you draw as needed
- Term loans on fixed schedules
- Equipment financing secured on the asset
Enterprise
Larger, More Complex Files
High volume, sophisticated needs. Enterprise brings in SBA paths and partner capital — larger facilities assembled around your situation, still handled by one team.
- SBA loan paths
- Partner capital relationships
- Still one team, one point of contact
How It Works
A Decision in about 24 Hours.
No portal that swallows your documents. You talk to someone who can make the call, and you hear back fast.
Apply or Call
A short application, or a five-minute call. Tell us what the money is for and roughly what you're earning.
We Match the Structure
We propose the one program that fits your situation — and say why, in plain language.
Decision in 24 Hours
A clear yes or no with the amount and terms in writing. If it's a no, we tell you what would change it.
Funded and Supported
Money in the account, repayment matched to how you earn, and a team that stays with you as you scale.
More Capital, Because We Process Too
Processing Is Why We Can Fund More of It.
Most funders have to take your word for it. Because Capvera also processes your cards, we see real card volume — not an estimate on an application. That changes what we can approve.
We Fund from Real Volume, Not Estimates
Verified processing history is far stronger evidence than a revenue figure you typed in. It speeds up decisions and sharpens your terms.
Split Funding Comes off the Batch
Because we see the batches, repayment can be taken as a percentage of card sales — so on a slow month, less comes out.
More Paths Open as Volume Grows
As your processing history builds, we step you up — from working capital into larger facilities, without starting over.
Capital
Seven programs, matched to your stage
Payments
0% processing, 50% of the residual back
Questions
Funding, Answered Plainly.
Not sure which program fits? Call us on (480) 869-6723 and we'll tell you straight.
Which Program Should I Choose?
You don't have to know — that's our job. Tell us what the money is for and roughly what your revenue looks like, and we'll propose the structure that fits. Most businesses are closer to one obvious answer than they expect.
How Quickly Will I Know If I'm Approved?
About 24 hours from when we have your information. You get a clear decision with the amount and terms in writing — not a vague 'we'll be in touch'.
What's the Difference Between Revenue-Based and Split Funding?
Revenue-based funding repays as a small share of the revenue you collect. Split funding is taken as a percentage of your card batches, so it tracks card sales specifically. Both move with your business rather than against it.
How Much Revenue Do I Need to Qualify?
It depends on the program. Revenue-based and split funding can work once you have consistent monthly revenue, without the multi-year history a bank typically wants. Lines of credit and term loans usually need more established numbers. SBA paths have their own criteria.
What Can the Money Be Used For?
Most legitimate business purposes — equipment, inventory, hiring, a fit-out, expansion, bridging a seasonal gap, or refinancing something more expensive. Tell us the plan and we'll tell you which structure suits it.
Do I Have to Process Cards with Capvera to Get Funding?
No — they're separate decisions. But processing with us means we can see real card volume instead of asking you to prove revenue, which usually means a faster evaluation, sharper terms and access to split funding off the batch.
Apply
Let's Find Your Number.
Tell us where the business is and what you need. A Capvera funder will come back to you — usually within 24 hours.
- A clear decision in about 24 hours
- Every funding path compared for your situation, not just one
- No obligation to proceed once you see the terms
Prefer to talk it through?
(480) 869-6723