Capital solutions built around what you’re trying to accomplish, not which product box you fit.

Every capital structure CCD recommends starts with the same question: what are you trying to do? The product follows the goal. Not the other way around.

Business Term Loan

A Business Term Loan is one of the more traditional financing products available to business owners. We’ll guide you through the process and help you avoid costly mistakes.

Obtain the funds you need in the amount, term, and repayment options that work best for your business.

24 hrsFunding speed
60+ moFlexible terms
AllCredit scores accepted
Minimal documentation required to apply
Programs for all credit scores
Most industries accepted
Funding in as little as 24 hours
Flexible terms up to and beyond 60 months

Equipment Finance

Equipment Finance is a solution that allows your business to pay for new or used equipment. We offer various lease and loan options to help you reduce upfront capital costs and manage your cash flow.

120 moTerms & structures
$500KApplication-only limit
FastApprovals
Fast approvals
Funding with predictable, low monthly payments
Reduced upfront costs and preservation of capital
Lease and loan options
Flexible terms and structures up to 120 months
Application only up to $500,000 (for qualified applicants)

Business Revolving Line

A Business Revolving Line works like a line of credit so you can access additional funds without refinancing your current funding, saving you thousands of dollars compared to other lenders.

$0Hidden fees
NoneCollateral required
FastCapital access
Fast access to capital
No hidden fees (or double dipping)
No collateral or personal payment guarantee

Asset Based Revolving Line

Similar to our Business Revolving Line, an Asset Based Revolving Line works like a line of credit so you can access additional funds without refinancing your current funding. The key difference is that an Asset Based Revolving line is secured by accounts receivable.

50%Cost of factoring
On DemandFunding availability
AnnualRenewable facility
Paperless application and reporting
Non-notified facility – no contact to your customers!
Half the cost of factoring
Funding available on demand
Secured by accounts receivable
Term annual renewable facility

SBA Loans

Qualifying for an SBA loans has never been easier. We work with many banks and private finance companies across the country that are aggressively lending. We have streamlined the process and will help you avoid common mistakes and unnecessary delays.

100%Up to 100% financing available (for qualified applicants)
25 yrsTerms up to 25 years
$5M+Loan amounts from $150,000 to $5,000,000, and beyond

Program Benefits

No upfront fees
Business Acquisitions with minimal down payments
Affordable Working Capital
Refinance high interest debt
Can work with credit as low as 625

Common Uses of SBA Loans

Equipment Purchase & Refinance
Acquire or refinance owner-occupied real estate
Finance property improvements
Partner Buyout
Business Acquisition
Consolidate High Interest Debt

Business Credit Builder

Restore and rebuild your corporate credit, ensuring your access to capital in the future when your business needs it.

$0Personal guarantees
NoAssets at risk
Improve on/restore your borrowing power
Refinance debt or expensive loans
Keep company obligations in the business without personal guarantees
Secure new credit sources without putting up personal assets

Not sure which capital structure fits your situation?

Here is a collection of recent deal examples to show how CCD solves business capital challenges:

$500KWorking-capital bridgeEvents

A Business Running at Full Speed, with No Way to Prove It

A CPA firm referred an international events company that produces high-end golf experiences at PGA venues worldwide. The business was generating $10 million in annual revenue, but couldn’t qualify for a traditional loan. The nature of their contracts meant revenue couldn’t be recognized until after each event occurred, creating an 18-month cash cycle that made two years of financials look far weaker than the business actually was. With a vendor payment due and client contracts at risk, the owner needed a $500,000 capital injection quickly. CCD structured a working capital bridge that kept the business intact. Two years later, the company had its accounting in order and was positioned for institutional financing.

7 storesConsolidated into one SBAPharmacy

Seven Stores, One Problem, One Conversation

What started as a single working capital request from a pharmacy owner turned into something much larger. Once CCD began asking questions, it became clear the client owned seven locations, each with separate distributor relationships, overlapping debt obligations, and legacy software systems creating processing overages they didn’t know existed. CCD consolidated the distributor balances into a single SBA structure, freeing the owner to purchase through the preferred supplier at better pricing. A review of payment processing across three locations uncovered $50,000 in annual overages. A payment system upgrade eliminated the drag. The client came in for one loan and left with a restructured business.

$3M → $18MRevenue growth, 3 yearsConstruction

Getting a Construction Company Off the MCA Treadmill

An electrical contractor in Massachusetts doing $4–5 million a year had accumulated four merchant cash advances totaling over $1 million, the result of managing union labor obligations, insurance costs, and a cash flow cycle that never quite caught up. CCD stepped in to negotiate down the existing balances, consolidate the obligations into structured financing, and institute a funds control process to ensure payroll, union payments, and suppliers were covered on schedule. Over three years, the business grew from $3 million to $18 million in annual revenue. The funds control discipline that initially felt restrictive became the foundation of a well-run company.

~1 dayTime to fundingEquipment

Equipment Finance Without the Bank Timeline

A business owner came in asking for an SBA loan to purchase a piece of equipment for their operation. After a brief intake conversation, CCD identified that the actual need, a specific equipment acquisition, didn’t require the documentation burden or multi-month timeline of an SBA process. Equipment financing was arranged in roughly a day. The owner got their equipment, preserved working capital, and avoided weeks of unnecessary paperwork. The right structure starts with the right question: what are you actually trying to accomplish?

Payroll metLiquidity injected upstreamConstruction

When the GC Had a Problem Too

A subcontractor came to CCD unable to make payroll because the general contractor on their job hadn’t paid. When CCD engaged further up the chain, it found the GC itself was in a pay-when-paid situation, a cash flow problem cascading through every tier of the project. CCD identified the pressure point, injected liquidity at the right level, and helped restore the payment flow to the subcontractors who had completed their work and were waiting on funds that were stuck upstream. Not every capital problem is the borrower’s problem.

Vendor financeProgram built around the sellerVendor Finance

Software as Equipment: A Vendor Finance Program

CCD built a vendor-based equipment finance program for a medical products company that presented its devices at trade shows for physician practices. Rather than asking doctors to write a check or walk away, the company could now offer structured monthly financing at the point of conversation. CCD developed the program around the vendor, handling the financing infrastructure so the sales team could close deals in the room. The same model applies to software, machinery, specialty tools, and any capital asset a business sells to another business. Closing the vendor is how you reach the many.

Solutions at a Glance

Corporate Capital Direct capital solutions compared by funding amount, approval time, term length, and repayment frequency.
Loan Type Funding Amount Approval Time Term Length Repayment Frequency
Business Term Loan Up to $1,000,000 1-2 Business Days 6 months – 120 Months Monthly
Equipment Finance Up to $5,000,000 1-2 Business Days Up to 120 Months Monthly, Quarterly, Seasonal, Flexible Annual
Business Revolving Line Up to $250,000 4-7 Business Days Annual Renewable Monthly
Asset Based Revolving Line $250,000 – $5,000,000 4-7 Business Days Annual Renewable Monthly
SBA Loan $150,000 – $5,000,000 30 – 60 Days 10 – 25 Years Monthly

When a bank says yes to a SBA 7A: what to watch for before you accept.

Banks push SBA 7A loans because they’re guaranteed. The guarantee protects the lender, not the borrower. What borrowers often don’t know until after they’ve signed: cross-collateralization (your personal and business assets secure the loan), restrictive covenants (minimum cash balance requirements, restrictions on additional borrowing), and formulaic triggers that can accelerate repayment at the bank’s discretion. CCD reviews every SBA structure with you before submission. We don’t present a loan as a solution until we’ve walked through what it actually means for your business.

SBA Frequently Asked Questions

SBA loans generally require a minimum 650. CCD works with you before submission, in some cases connecting you with a credit specialist to optimize your profile before we file, which can improve terms significantly.

Common covenants include minimum cash balance requirements, restrictions on additional borrowing without lender approval, cross-collateralization of personal assets, and acceleration clauses triggered by financial ratio changes. CCD reviews these with every client before submission.

Standard SBA 7A: 30–90 days from application to funding. SBA Express: 36-hour approval of amounts up to $500K, though funding still takes several weeks. CCD manages the paperwork and SBA submission to minimize delays on your end.

Possibly. If your bank submitted a declined SBA application, there is a waiting period before resubmission. However, if your bank declined without submitting, which is common for complex situations, CCD can often engage a different SBA lender with stronger appetite for your deal type.

Your capital strategy, handled. At no cost to you.

Tell us what you’re trying to accomplish. We’ll tell you what’s actually possible, and what structure gets you there.

Talk to an advisor