Connect to the Right Lenders

Intelligent Business Financing, finally

For companies seeking $1 million to $50 million financing in the US and Canada, use our Tech + AI-enabled platform to connect with interested lenders, lessors, and factors in as little as 1 day.

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The Modern Way to Access the Right Financing

Our platform leverages cutting edge technology and Artificial Intelligence, combined with expert manual oversight from a team that has raised over $3
billion in private capital.

You efficiently get connected to the right financing
partners that are the best fit for your transaction, and we quarterback the deal all the way, helping you navigate the inevitable hurdles on the way to closing.

It’s Tech and AI-Enabled Capital Raising Done For You

Save time and money

No need for expensive investment banks or inefficient old-school financing brokers.

Connect to lenders in days

You’re as little as one day away from the best-fit lenders reviewing your deal and scheduling intro calls.

Expert guidance all the way

We’re here to guide you from lender
selection, all the way through due diligence and closing.

How it works

Onboard

After a 20 min intro call, complete our 4-Step Onboarding in as little as 30 minutes. We then review, preflight, and launch your deal on our platform.
You’re less than an hour away from getting started.

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Connect

We send your deal to the best fit 10-20 lenders based on our tech + AI-based proprietary scoring model, using over 25 points of matching to lender criteria, in tandem with expert manual oversight.

Decide

After intro calls and information review by interested
lenders, we help you solicit and negotiate Term Sheets. Then you choose the best fit and proceed to final lender due diligence.

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We help you navigate the lender due diligence process as your trusted adviser, giving you our insight and expertise, and helping you navigate any hurdles all the way to closing.

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The best lending options are here

Our platform includes over 500 of the top small business, lower-middle, and middle-market lenders, lessors, and factors, with varying risk appetites from conservative to aggressive.

National, Regional, and Local Banks

Commercial Finance Firms

Specialty Lenders

Private Credit Firms

Multi and Single Family Offices

The type of financing you need

We’ve got all your use cases covered including Asset-Based Lenders and Cash Flow Lenders providing Senior, Subordinated, and Mezzanine Financing, along with Lessors and Factors.

Bridge Loans

Term Loans

Lines of Credit

Factoring

Purchase Order

Equipment Finance

Venture Debt

Real Estate Bridge

SBA Loans

USDA Loans

Inventory Finance

Accounts Receivable

We’ve achieved some great outcomes for quality companies

Powering the clean-tech energy revolution

Need

This EV charger company was looking for financing to acquire charging units from China, which they install in apartment buildings.

Challenge

The early stage of the company meant traditional debt financing was not an option, and some lenders are wary of financing supply chains outside the US.

Solution

CapFlow introduced them to 11 of the best-fit non-bank lender candidates on our platform. We ultimately secured them an equipment financing line of 75% advance rate with pricing at SOFR + 6% from a private credit lender that can be more flexible than traditional lenders. The lender built conviction due to the impressive track record of the executive team, the strong collateral value of the equipment, and customer contracts already in place.

Asset/Equipment Financing

$11 million

Private Credit

Western US

Filling the entire acquisition capital stack

Need

This independent sponsor from the construction industry wanted to leverage his background by acquiring a firm that was a great fit with his previous industry-related consulting, ops, and revenue generation background.

Challenge

He negotiated a favorable deal structure including substantial seller financing, however lenders wanted him to contribute 10% of the purchase price as buyer equity, which he didn’t have.

Solution

CapFlow sourced the entire external capital stack of $28m including $20m of senior debt from a national bank, plus $8m nonparticipating preferred equity from an impact / community investment fund that was a great fit with the sponsor’s background and the dynamics of the target company. The financial strength of the equity investor, favorable deal terms, and strong DSCR and other coverage ratios enabled the bank to get comfortable with less buyer equity.

Senior Term Loan + Preferred Equity

$28 million

National Bank

Southeast US

Project-based receivables? No problem

Need

This private-equity backed infrastructure firm needed a new working capital line of credit after they lost their existing one due to bank portfolio construction issues.

challenge

Most of the firm’s revenue was project-based and included a substantial progress billing component. Because of this they had already been turned down by over 30 lenders.

solution

CapFlow ran a robust process targeting specific lenders on our platform that specialize in financing project related revenue and don’t have an issue with progress billing. We introduced the deal to over 20 groups, and ultimately attained 2 offers, with the winner being a 3-year line of credit at SOFR + 5%. The lender liked the deal because the turnaround plan was already working plus the strong backing of the PE-parent.

Working Capital Line of Credit

$10 million

Commercial Finance Firm

Midwest US

Reverse acquisition to bolster revenue

Need

This small software as a service (SaaS) firm wanted to diversify its revenue mix by acquiring a government contractor in a related industry.

challenge

The acquiring firm was substantially smaller than the target, plus many lenders were wary of the sustainability of its government contracts.

solution

CapFlow introduced the transaction to 15 top SBA, non-SBA and non-bank lenders on our platform. We attained 3 term sheets and helped negotiate the most favorable terms with the winner, which was 100% financing with no buyer equity requirement, then assisted in the due diligence process until closing. The lender bought into the growth plan and projected synergies of the combined company, and built trust in the acquiring term’s operating capabilities to get comfortable with the deal.

SBA 7(a) Acquisition Loan

$2 million

Regional Bank

Southwest US

But don't just take our word for it

We were in a tough spot with pending litigation making it difficult to attain a term loan. Once we started working with CapFlow, they quickly got us 3 term sheets for $10m from non-bank lenders. The process was easy and the communication was top-notch.

Sarah D.

VP & Controller

It was like magic. We finished onboarding in under 40 mins, and boom, the next day they connected us to 3 interested lenders wanting to set intro calls. We will be back the next time we need debt financing for sure.

Michael N.

Chief Financial Officer

Our bank pulled our credit line due to accounting issues inherited from the previous owners. CapFlow introduced us to over two dozen banks and non bank lenders, and found a asset based lending solution for our working capital need.

Logan K.

Finance Director

We were looking to monetize $15m of assets on our balance sheet to use for growth capital. CapFlow totally handled the financing process, which allowed me to focus on my core duties. They ran a robust process introducing us to a lot of lenders we didn’t even know about.

Ron P.

Chief Operating Officer

We weren’t sure what the best option would be for our acquisition. CapFlow ran a great process and introduced us to 9 interested SBA and non-SBA lenders, negotiated to maximize terms, and ultimately found us a lender that didn’t require additional equity. They’re a great option for M&A financing.

Edward B.

Chief Financial Officer

These guys are experts. They guided us every step of the way from finding lenders for our financial services company acquisition, through due diligence and all the way to closing. I don’t think we would have gotten it done without them.

Craig B.

Entrepreneur & Searcher

You have questions, we have answers

What and who exactly is CapFlow?

CapFlow is a FinTech that intelligently connects borrowers and sponsors looking for $1m - $50m of debt or other non-dilutive financing with lenders that are interested their deal.
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We were founded and are run by Shaun Tiwari, who has a background of dozens of transactions raising over $3 billion, from small business to middle-market deals, from his time in investment banking, private equity, and now at CapFlow. You can connect with him on LinkedIn here or on Twitter/X here.

Why build CapFlow?

The private capital markets are broken. They’re still as fractured, old-school, and manual as they have been for dozens if not hundreds of years. Meanwhile there has been massive innovation in other areas of FinTech like banking and payments.

We built CapFlow to bridge the gap between lower-middle-market financing and technology. Our platform uses a combo of tech and AI, combined with personal experience running debt capital raising processes to make the matching process more efficient than ever, making sure you get to the right lender for your deal, while handling the nuances of deal work that can’t be automated.

How does the platform work?

After an intro call, reviewing preliminary info and completing onboarding, we pre-underwrite the deal then score it against every lender’s unique 25+ point lending criteria. We also do a manual sanity check to refine the top lender matches.

Then we send a brief deal snapshot to the top 10-20 lenders on the target list, and when they respond with interest, we start facilitating the information they need and/or calls with you. We then drive the process towards getting term sheets, choosing which lender to proceed with, and on to closing.

How much does it cost?

For our standard service there is no up-front cost or obligation. Our compensation is success-based and the percentage depends on the dynamics of that particular deal. But it is typically in the 1% - 2% range of loan size and is paid by the lender.
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Alternatively, we have a more in-depth offering where we quarterback the entire financing process from start to finish as an outsourced or Fractional CFO. This full-service approach requires a monthly retainer but no fees on the backend, and therefore is much less costly overall. Set a call with us to discuss further.

How long does the process take to start?

We can start the same day after our 20 min intro call, after you complete the 4-step onboarding process which can take 30 min or less if you have the relevant documents (e.g. financials, LOIs, CIMs, etc.) ready.
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Once onboarding is completed, we launch the deal within one or two days, and sometimes have lenders interested immediately. The soonest we have had an interested lender for a deal is 2 hours, but typically you should expect it will take a few days after you complete onboarding.

What information do I need to get started?

Our onboarding process has 4 steps. Step 1 is our Onboarding Agreement which includes fee and and NDA provisions. Step 2 is our Intake Form which takes under 5 mins. Step 3 is sending us all the relevant information on the financing such as financial statements, audits, tax returns, information memorandums and teasers, LOIs for acquisitions, etc. Step 4 is an Exclusion List so we don’t overlap with previous conversations.
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Once onboarding is complete we pre-underwrite and package the deal, score it against our lenders, refine the Target List, then launch the deal. You should expect to have interested lenders requesting information and requesting calls within a few days.

Is our confidential information safe?

Confidentiality is at the heart of everything we do. Your information is safe with us and our lending partners. Additionally, our Onboarding Agreement contains standard confidentiality provisions for the finance industry.
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Furthermore if you prefer, we can have lenders sign your NDA prior to receiving confidential information, although that slows the process down.

How long does the overall process take until closing?

It's typically two to four months from the completion of onboarding to closing. However for quick-turn bridge financing for amounts $10m and under it can close in as little as 2 days, although this type of financing is only available in specific circumstances.
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This is all heavily dependent on you as the borrower, or a counterparty in an M&A financing. Some transactions can take much longer due to delays by various parties involved.

Which type of loans do you specialize in?

We’ve built the #1 debt financing platform for lower-middle-market loans, which means deal sizes from $1m to $50m. Our FinTech platform of over 500 lenders has at least 75 lenders for each different financing type, and 200 or more for most of them. It doesn’t matter if it’s working capital, acquisition financing, venture debt, or any other financing type, CapFlow is the best way to reach those lenders.

Plus our platform efficiently matches your deal to the right lenders among those 500, and not the wrong ones, using a proprietary mix of tech, AI, and expert oversight. There’s never been a more efficient way to get the best-fit lenders reviewing your financing need and providing term sheets.

Can you help us get equity financing?

We get asked this a lot, and the answer is usually no. Our platform is for non-dilutive financing, meaning debt financing, leasing, factoring, etc., and not equity. This means we’re not a fit for early-stage “venture capital” type financing where revenue and cash flow is speculative, unless there are hard assets to be financed and contracts providing a sightline to revenue in place.
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However in certain cases we can help attain “gap equity” to complete the capital stack on a debt financing deal we’re working on. We’ve done that on recent M&A financing transactions, both SBA size and larger. Set a call to learn more.

Why shouldn’t we run our capital raise in-house?

Because we’re the experts. We’re constantly working on financing transactions, talking to lenders, learning about their criteria, sending them deals, and monitoring the pulse of the market. Lenders *prefer* to get deals from us because we know what they want to see and when. When you work with us, our proven process maximizes your deal terms.

Additionally you save immense time and effort. We replace the cost of a senior finance professional that costs tens of thousands of dollars per month, and we’re there only when you need financing. It’s the same reason firms hire fractional C-Suite execs.

Why shouldn’t I use another loan broker?

Because 99% of them are completely worthless. They don’t use technology to efficiently match deals to lenders, instead they do it “old-school” by deciding themselves which lenders to send which deal to. They also play favorites by routing deals to favored lenders. They’re a great way to waste a lot of time and effort and not get to the right destination.

Others are “order-takers” where they don’t run a competitive process for you to maximize your deal terms. We know deals don’t get done unless a robust process involving many (at last 10 and often 20 or more) lenders is run. Even when you think you know the right lender for a deal, that usually ends up wrong. Our combo of tech and human expertise ensures your deal gets to the best-fit lenders in the least amount of time, and maximizes your financing terms.

Getting your financing starts with a click

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