Trusted by businesses nationwide

Get the Capital Your Business Deserves

SBA loans and flexible business funding solutions designed to help established companies grow, operate, and thrive.

$
Up to $5MFunding options for qualified businesses
Fast ReviewA streamlined qualification process
Flexible ProgramsOptions built around your profile
Multiple Programs
SBA, term loan, line of credit and working capital paths
Fast Review
A focused digital qualification experience
Secure Process
Confidential information handling
Dedicated Support
A funding specialist reviews qualified submissions
SBA LoansLines of CreditTerm LoansWorking Capital
Speak with a funding specialistMon–Fri, 8 AM–8 PM ET
Quick & EasyShort digital qualification process
No ImpactTo check preliminary eligibility
SecureEncrypted information submission
Business funding solutions

One qualification. Multiple paths to capital.

OnKap Financial reviews your business profile to identify funding paths that may fit your revenue, credit, time in business and capital needs.

01

Business Funding

Not sure which product fits? Start here. One qualification routes your business toward every funding path in our network — you don't have to pick the product before you know your options.

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02

Revenue-Based Funding

Working capital sized to your monthly revenue, with remittances aligned to how your business earns. Built for established businesses with steady deposits that need capital moving quickly.

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03

Line of Credit

A reusable pool of working capital on standby. Draw what you need when opportunities or gaps appear, pay for what you use, and draw again as you repay.

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04

SBA Loans

Government-backed programs offering qualified businesses lower-cost, longer-term capital. A more thorough review — often worth it for businesses with two or more years of history and solid credit.

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05

Term Loans

A fixed amount with a set repayment schedule. The straightforward structure for defined investments — expansions, buildouts, large orders — where predictability matters.

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06

Equipment Financing

Acquire or upgrade trucks, machinery, medical or restaurant equipment while preserving cash. The equipment itself supports the financing.

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07

A/R Financing

Turn unpaid invoices into working capital instead of waiting 30, 60 or 90 days on customer payment terms. Approval weighs your customers' payment strength, not just your own profile.

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08

How It Works

From two-minute qualification to funded — exactly what happens at every step, what we'll ask for, and what we will never do along the way.

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Common questions

What business owners ask us.

The qualification form is designed to identify an appropriate path without requiring a long initial application.

Does checking eligibility affect my credit?+

The preliminary qualification form does not itself run a credit inquiry. Any later credit authorization should be clearly disclosed before it occurs.

What information will I need?+

Start with annual revenue, estimated credit range, time in business, requested funding amount and basic contact details. Additional documentation may be requested after review.

What happens if SBA is not the best fit?+

Your profile may be reviewed for other business funding options, including term loans, lines of credit or working capital programs.

How quickly will someone contact me?+

Qualified submissions can be assigned to a funding specialist for follow-up during normal business hours.

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