AcquisitionSBA 7(a)
Regenerative medicine clinics$3.3M
SBA 7(a)$3.2M6.25%FIXEDExpress LOC$250KPrime - 0.5%
SBA 7(a)$5.0MPrime + 2.75%
SBA 7(a)$3.1MPrime + 2.50%
SBA 7(a)$1.0M8.15% for 60 months, then Prime + 1.75%Express LOC$150KPrime + 2.50%
SBA 7(a)$5.0MPrime + 2.75%
SBA 7(a)$3.3M6.19%FIXED
SBA 7(a)$1.6MPrime + 2.75%
SBA 7(a)$3.7MPrime + 2.75%
SBA 7(a)$5.0MPrime + 2.50%
SBA 7(a)$4.2MPrime + 3.00%
SBA 7(a)$5.0MPrime + 2.75%
SBA 7(a)$1.7MPrime + 2.75%
SBA 7(a)$1.1MPrime + 0.00%
SBA 7(a)$5.0MPrime + 2.75%
SBA 7(a)$1.9MPrime + 2.75%
SBA financing · $500K–$10MLower middle market · $5M+
SBA FINANCING · $500K–$10M
A competitive campaign to get you the best terms, fast
We run the whole process, taking your $500K–$10M financing to dozens of the best fits among our 114 SBA lenders, and get you multiple offers to ensure the best financing terms.
Acquisition
Refinancing
Growth capital
Working capital
Our network
- National banks34
- Regional banks46
- Community banks18
- Credit unions6
- Non-bank SBA lenders10
SBA lenders114
5.0 out of 5
LENDER NETWORK
A sample of the 114 SBA lenders on our platform
The big national banks, plus the regional, community and non-bank lenders most borrowers never find. Sometimes the one you've never heard of offers the best terms.
Recent financings
Selected recent financings
If your deal is financeable, we'll get it done: we keep working the lenders until the term sheets come in.
AcquisitionSBA 7(a) + Express LOC
Automotive performance retail$1.3M
AcquisitionSBA 7(a)
Pool maintenance$1.8M
RefinancingSBA 7(a)
Food service fleet$0.9M
AcquisitionSBA 7(a)
Senior home care$0.6M
Client results
What clients say
5.0 out of 5
More lenders at the table, better terms and very little of their own time spent.
We weren’t sure what the best option would be for our acquisition. CapFlow ran a great process and introduced us to 9 interested 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.
They managed the whole process so I could focus on running the business during the transition. Every lender call was prepped, every document was organized. Professional operation.
Steve W.
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.
Want more client results? Set a call →
How we compare
Your options, side by side
We do the work a broker leaves to you, get better rates on comparable deals and fund harder deals a broker cannot place.
| Your relationships | Loan broker | CapFlow | |
|---|---|---|---|
| Cost | Your relationshipsWeeks of your time. | Loan brokerPaid by the lender, so the pull is toward the lender that pays them most. Some add fees on top. | CapFlowNothing up front. The lender pays our fee at close, the same whichever lender wins — so we push for your best terms, not our biggest payout. |
| Lender reach | Your relationshipsThe few banks you already know. | Loan brokerTheir usual handful of lenders. | CapFlow30+ best-fit SBA lenders, in a wide-ranging yet targeted campaign run until the term sheets come in. |
| Who does the work | Your relationshipsYou: the package, the follow-ups, every lender call — on top of running your business. | Loan brokerOften little beyond an introduction. The documents and lender questions still land on you. | CapFlowWe do. The platform builds the package, our experts handle every lender question and call. You approve; we execute. |
| Who negotiates | Your relationshipsYou, alone, with no competing offers for leverage, against lenders who do this every day. | Loan brokerRarely. With one or two offers there's nothing to negotiate against. | CapFlowWe do, with competing term sheets side by side, creating leverage. |
| What you can see | Your relationshipsOnly what you track yourself. | Loan brokerWhatever they choose to tell you. | CapFlowWritten lender-by-lender updates, including the reasons lenders give for passing. |
| If it doesn't close | Your relationshipsMonths lost, nothing to show for it. | Loan brokerYour time is gone, and your deal has been in front of their lenders. | CapFlowYou keep the deal materials and lender feedback. |
The process
We handle things from first call through closing
Our platform does the work, a deal expert oversees every step, and you pick the winning offer.
- 01
Intro
A brief intro call to learn about your deal — what you're financing, how much and when.
- 02
Pre-underwrite
We analyze the deal before a lender ever sees it, producing the deal snapshot that shows how financeable your deal is.
- 03
Documents
We collect and organize the financial and legal documents lenders need.
- 04
Package
We build your teaser, executive summary and credit package from the analysis.
- 05
Target
We match your deal to lenders on their stated criteria, plus what we've learned from every deal we've sent them.
- 06
Outreach
We send the package to selected lenders and follow up until each proceeds or declines.
- 07
Engagement
We prepare answers to lender questions, and your deal expert leads the lender calls.
- 08
Term sheets
You see every returned term sheet side by side, with key terms highlighted.
- 09
Negotiate
Your deal expert negotiates every term sheet, using competing offers as leverage.
- 10
Close
We support lender diligence and help resolve financing questions through closing.
Timeline
Sixty days, with lenders working in parallel
We approach lenders in parallel. The clock starts once your engagement is signed and your documents are in.
Analysis & packaging
Lender outreach
Term sheets & negotiation
Underwriting & closing support
Why CapFlow
Deal experts, powered by AI
Our platform tracks dozens of criteria on what each lender lends against and how it has acted on previous deals, so yours goes to the best fits.
A deal expert runs your deal
A dedicated deal expert quarterbacks it from first call to closing table — reviewing every document, joining every lender call, making every judgment call the app can't.
AI-native, start to finish
The app is not bolted onto a manual process — it drafts the package, matches lenders and tracks the deal. The expert reviews and approves before anything goes to a lender.
The entire market, competing
We target the lenders in our network whose stated and revealed criteria fit your deal, not the handful a typical loan broker favors.
Market intelligence that compounds
We record every lender's feedback and use it when targeting the next deal, and to help negotiate your best terms.
The result? More lenders competing. Better terms. A faster close. We do the heavy lifting.
Shaun has managed dozens of successful financing campaigns across acquisitions, refinances and growth capital ranging from SBA 7(a) deals to $100M+ middle-market transactions. He built CapFlow's network of 1,150+ capital providers and knows which lenders are deploying capital, what structures they prefer and what they need to say yes. Every engagement gets his personal attention from day one through closing.
INDUSTRIES
The sectors we finance most
We know which lenders lend in your sector, what they need to see and how to position your deal to win.
Healthcare & senior care
Food & beverage
Business & professional services
Home & commercial services
Automotive
Construction & infrastructure
Logistics & distribution
IT & software
Manufacturing
Energy & EV infrastructure
Something else? Let's discuss →
Pricing
No monthly fees. The lender pays our fee.
Virtually no risk: nothing out of pocket, and the lender pays us at close.
No setup fee on a Base engagement.
No monthly fees on a Base engagement.
Paid by the lender at closing.
Common questions
Frequently asked questions
Straight answers on cost, effort and what happens if a deal doesn't close.
How much work is this for me?
Very little. Our platform builds your credit package and runs the lender outreach; our deal experts handle the questions, calls and negotiation. Your part is sending the documents we ask for, answering a few questions and choosing the offer you want.
What do I actually get?
A lender-ready package using your deal materials. Then we manage the lender process: we take it to the lenders whose stated criteria fit your deal, handle the questions and the document requests, and stay on the calls through closing. You also get told, in writing, why a lender passed.
Is this software, or do people actually work on my deal?
The best of both. Models do the first pass: building the package, reading the financials, matching your deal against lender criteria, drafting responses to diligence questions. A deal expert reviews and approves all of it, including every diligence response, before anything goes to a lender. The deal expert is on every call and oversees the process until closing.
Do I pay anything before I close?
No. No setup fee, no monthly fees on a Base engagement (SBA), and no hourly billing. The success fee is paid by the lender at closing. Our pricing page sets out what each engagement includes.
I already have a bank I've been talking to. Does that count?
Tell us before we start and we will list them as excluded. A lender you sourced yourself is treated differently from one we bring you — that distinction is written into the engagement rather than figured out afterwards.
What happens if my deal doesn't close?
You keep the materials prepared for your engagement and the lender feedback received. Deals die for reasons that have nothing to do with the financing work: a seller changes their mind, diligence turns something up, the numbers move.
Get started
A competitive campaign to get you the best terms, fast
Tell us about your deal. We'll tell you whether it's financeable and how we'd run it, before you sign anything.