Get the Capital Your Business Deserves
SBA loans and flexible business funding solutions designed to help established companies grow, operate, and thrive.
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.
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.
Learn moreRevenue-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.
Learn moreLine 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.
Learn moreSBA 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.
Learn moreTerm Loans
A fixed amount with a set repayment schedule. The straightforward structure for defined investments — expansions, buildouts, large orders — where predictability matters.
Learn moreEquipment Financing
Acquire or upgrade trucks, machinery, medical or restaurant equipment while preserving cash. The equipment itself supports the financing.
Learn moreA/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.
Learn moreHow 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.
Learn moreWhat 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.