01
Term financing
View program Business Loans
A one-time lump sum of cash with an eventual option to apply for more.
- ✓Up to $5 million
- ✓Terms up to 72 months
- ✓No prepayment penalty
Neighborhood financing · National reach
Trust in Your Capital.
Funding from $10K to $5M, often within 24 hours — with a specialist who knows your business by name.
- ✓ $10K–$5M in funding
- ◷ Decisions in 24 hours
- ◇ Soft credit pull
Capital fileBuilt around your business.
Ready to reviewFunding range$10K to $5M
Decision window24 hours
Credit reviewSoft pull
ApplyMatchFund
One specialistEvery round.
Our programs
Funding built around how you run your business.
Choose a structure that fits your cash flow. Apply once and a specialist will match you to the right program.
02
Revolving credit
View program Business Credit Lines
Draw what you need and pay interest only on funds drawn.
- ✓Lines up to $1 million
- ✓Draw and repay on demand
- ✓Same-day draws before 1pm ET
03
Revenue-share capital
View program Revenue Based Financing
Capital today, repaid as a small share of revenue — no fixed payment.
- ✓$10K – $2M advances
- ✓Repayment flexes with sales
- ✓Same-day decisions
04
Payments
View program Merchant Processing
Transparent card processing that often pairs with your financing.
- ✓Interchange-plus pricing
- ✓Same-day funding
- ✓Month-to-month, no lock-in
05
Commercial real estate
View program FHA Commercial Real Estate
Long-term, fixed-rate, FHA-insured capital for real estate operators.
- ✓35-year fixed rate
- ✓Up to 85% LTV
- ✓Non-recourse
How it works
From application to funded
Five simple steps — with one specialist by your side the whole way.
- 01Complete the short online application
- 02Meet your financing specialist
- 03Review your tailored offer
- 04Finalize your agreement
- 05Funds deposited directly to bank
The boutique difference
One specialist. Your file. Every round.
You won’t be handed to a new rep at every step, and you won’t explain your business twice. The specialist who takes your first call walks your file into underwriting, negotiates your offer, and picks up the phone when you’re ready for round two.
That continuity is the whole point of a boutique firm — and the reason owners come back as their businesses grow.
Put capital to work
What can you do with funding from Trust Capital?
- Weather economic downturns
- Manage unexpected repairs or costs
- Stock up for high-demand seasons
- Take advantage of bulk discounts
- Open a new location
- Enter new markets
- Buy or lease equipment
- Manage cash flow gaps
$1.5B+delivered to American businesses since 2010
45,000+businesses funded across all 50 states
24 hrsaverage time from approval to funds in your account
Funding desk
This weekRepresentative recent fundings
01HVAC servicesCleveland, OH$185,000
02Restaurant groupAustin, TX$1,250,000
03Family dental practiceSacramento, CA$72,500
04Auto body & collisionNewark, NJ$340,000
05Retail bakeryPortland, ME$48,000
Representative examples45,000+ funded since 2010
Client stories
Why owners come back for round two.
Real relationships outlast the first wire.
Three lenders gave me a portal and a credit-score robot. Trust Capital gave me a person who understood why my December numbers dipped.
We went from one location to four in eighteen months. Same specialist on every round — that's why we stayed.
My bank wanted two years of audited financials for $80K. Trust Capital read twelve weeks of statements and funded in a day.
Placeholder testimonials — replace with verified client quotes before public launch.
Eligibility
Are we a match?
Check the published minimum requirements. A specialist can review exceptions case by case.
6 moin business
Businesschecking account
$10Kmonthly business revenue
550personal FICO® score
FAQ
Honest answers, before you apply.
Plain language, precise expectations, and a person on the phone when you want to talk it through.
Call 1-800-LENDER101How fast can I actually be funded?+
Most files fund within one business day of a signed agreement. Complete applications submitted before noon ET sometimes fund the same day; commercial real estate runs months, not hours, because the underwriting is deeper.
02Will applying hurt my credit score?+
No. The application is a soft pull and does not affect your score. A hard inquiry only happens after you have reviewed offers and chosen one — with your written authorization.
03What documents do I need?+
The short application, your last four months of business bank statements, and a driver’s license. Larger requests and real estate need more — your specialist lists everything up front.
04What if my credit score is below 550?+
Apply anyway. The 550 minimum is a guideline, not a wall. Specialists weigh revenue consistency, time in business, and industry — and plenty of funded files came in below the published minimums.
05What will it cost?+
Pricing depends on the product, your time in business, credit profile, and revenue. Whatever the structure, every cost is put in writing before you sign — no surprises, no junk fees.
06Are there industries you can’t fund?+
Very few. Restaurants, contractors, healthcare, retail, trucking, e-commerce, manufacturing — all core. We can’t fund cannabis, adult entertainment, or firearms manufacturing.
Funding desk
Call now to meet your funding specialist.
We are a boutique firm that forges individual relationships with each of our clients.