Know More, Borrow Better

A broker submits your file to multiple lenders and earns a fee on placement. CCD operates as your capital advisor, we assess your situation first, identify the right structure, and engage a single relationship directly. There’s no fee to you, no file-shopping, and no waiting for competing offers.

No. CCD’s advisory services are at no cost to the client. Our compensation is structured through the capital partner. Your deal economics are not impacted by a broker layer.

It means your business context, your goals, your situation, your trajectory, is central to how we evaluate a deal. Banks reduce businesses to a credit score and a revenue figure. We read the full picture. That’s why we fund deals that don’t fit a standard credit box.

For most situations, we can provide an initial assessment within 24–48 hours. Complex structures, SBA, large consolidations, multi-tranche deals, take longer. We’ll tell you the realistic timeline at the start, not after you’ve waited.

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.

Factoring purchases your receivables at a discount, you get cash but lose the full invoice value. VendorPay Direct™ eliminates the receivable entirely by giving the customer the liquidity to pay in full, on time. The vendor receives 100% of the invoice. No discount, no loss.

Zero. VendorPay Direct™ is structured at no cost to the vendor. CCD’s program is designed to benefit the supplier relationship, not charge for it.

Any industry where suppliers extend trade credit or payment terms to SMB customers. VendorPay Direct™ has been deployed across pharmacy distribution, construction, medical supply, agriculture, manufacturing, food service, and wholesale distribution. If your business has suppliers and those suppliers carry receivables, the program applies. CCD structures the solution around your specific industry’s payment cycle, not a generic template.

CCD Commerce is CCD’s payment optimization program. It converts how your business pays its largest fixed obligations, vendor invoices, rent, taxes, insurance, into a cash flow and rewards advantage. Using your existing business credit card, you can pay vendors who don’t normally accept cards, earn rewards on expenses you’d pay anyway, and extend your effective payment timeline by 30–45 days.

The payment conversion carries a small transaction fee, and delivery fees vary by method (ACH, check, or wire). The vendor receives 100% of the payment at zero cost. For many businesses, the rewards earned or float gained more than offset the fee, and in sign-up bonus scenarios, the net return can be significantly positive. CCD advisors will model the specific economics for your business before you commit.

Any business with large, recurring fixed obligations, particularly payments to vendors or suppliers that don’t accept credit cards. CCD Commerce is industry-agnostic: it works for healthcare practices, pharmacies, restaurants, construction companies, manufacturers, retailers, agricultural operations, and general SMBs. If you have significant B2B expenses, there is likely a CCD Commerce strategy for your business.

No. You can use any existing business credit card. If you want to maximize the return, particularly through rewards or sign-up bonuses, our advisors can recommend card structures that produce the best net outcome for your specific spend patterns. We model it for you based on your actual expenses.

The vendor receives payment via their preferred method, ACH/EFT, paper check, or wire transfer, at zero cost to them. From the vendor’s perspective, they received a normal payment. CCD Commerce operates on your side of the transaction.

Start with a call or our online application. Our PharmD-led team reviews your pharmacy’s financials, script volume, and funding needs, then presents customized options within 24–48 hours. We evaluate pharmacy businesses using industry-specific criteria, not generic credit box scoring.

Frequently, yes. Banks often decline pharmacy loans because their underwriters don’t understand pharmacy-specific metrics, PBM reimbursement timing, 340B program dynamics, distributor payment structures. Our team evaluates pharmacies using those exact criteria. We regularly fund pharmacies that conventional lenders have turned away.

Yes. RX Fund Assist™ provides startup funding for new pharmacy locations including working capital, equipment financing, and build-out costs. Our advisory team can also assist with business planning and financial projections for the startup phase.

Initial review requires minimal documentation, typically 3–6 months of business bank statements, a completed application, and a current script count report. For larger or acquisition financing, we will also request tax returns and a business plan. Our team walks you through exactly what’s needed.