Get The Capital Your Business Needs
From $5,000 to $5,000,000 in business funding. Quick approvals, competitive rates, and flexible terms designed for growing businesses.
Trusted by thousands of businesses
Business Funding Solutions
Choose from a variety of funding options designed to meet your business needs and growth goals.
Lines of Credit
Flexible revolving credit from $10,000 to $1,000,000. Pay interest only on what you use.
Short-Term Loans
Quick working capital from $5,000 to $500,000. Fast approval and same-day funding available.
Long-Term Loans
Substantial funding from $25,000 to $5,000,000 for major business investments and expansion.
Simple 3-Step Process
Get the funding your business needs in three easy steps. Our streamlined process gets you approved and funded fast.
Apply Online
Complete our simple online application in just minutes. No lengthy paperwork or complicated forms.
Get Approved
Receive a decision within hours. Our advanced underwriting technology ensures fast, accurate approvals.
Receive Funds
Get funded as soon as the same day. Funds are deposited directly into your business bank account.
Industries We Serve
We provide funding solutions to businesses across all industries. No matter your sector, we have the expertise to help.
Healthcare
Construction
Restaurant
Manufacturing
Retail
Technology
Transportation
Real Estate
Auto Repair
Beauty
Consulting
Agriculture
Why Choose Selective Capital?
We've helped thousands of businesses access the capital they need to grow. Here’s what sets us apart from traditional lenders.
Lightning Fast Approvals
Get approved in hours, not weeks. Our technology-driven process eliminates delays.
Flexible Requirements
Lower credit requirements and flexible qualification criteria compared to banks.
Dedicated Support
Personal funding specialists guide you through every step of the process.
Competitive Rates
Transparent pricing with no hidden fees. Get the best rates for your business profile.
What Our Clients Say
"Selective Capital saved my restaurant during the pandemic. The application was simple and I had funds in my account within 24 hours. Incredible service!"
"As a contractor, cash flow is everything. Their line of credit gives me the flexibility to take on bigger projects without worrying about upfront costs."
"I needed to expand my retail store quickly to capitalize on holiday sales. Selective Capital made it happen with a same-day approval and funding."
Frequently Asked Questions
Get answers to the most common questions about business funding and our services.
How quickly can I get approved for funding?
Most applications receive a decision within 24 hours. In many cases, we can provide pre-approval within just a few hours of submission. Our streamlined process is designed to get you answers fast.
What are the minimum requirements to qualify?
Generally, we require your business to be operating for at least 3 months, have a minimum monthly revenue of $8,000, and a personal credit score of 550+. However, we evaluate each application individually and can be flexible with strong businesses.
Do you require collateral for business loans?
Most of our funding products are unsecured, meaning no collateral is required. However, for larger loan amounts or longer terms, collateral may be beneficial to secure better rates and terms.
What can I use the funding for?
You can use business funding for any legitimate business purpose including inventory, equipment, marketing, payroll, expansion, cash flow management, or any other business need.
How does the repayment process work?
Repayment terms vary by product. Options include daily, weekly, or monthly payments via automatic bank transfer. We'll work with you to structure payments that align with your cash flow.
Will applying affect my credit score?
The initial application uses a soft credit pull that won't affect your credit score. Only if you're approved and decide to move forward will we perform a hard credit inquiry.
Ready to Grow Your Business?
Join thousands of businesses that have successfully grown with our funding solutions. Apply today and get the capital you need to take your business to the next level.
*No hard credit pull to apply • Same-day decisions • Fast funding