Capital that moves at the
speed of your business.
From $5,000 to $5 million. Working capital, revolving credit, and term funding — designed for growing companies.
- $5B+
- Funded since 2015
- 2 hrs
- Median approval
- 550+
- Min credit score
Accredited & rated excellent
Trusted by businesses across
- Retail
- Restaurants
- Construction
- Healthcare
- Logistics
- Professional Services
Pick the capital
that fits.
Transparent ranges and terms. Apply once — we match you to the best fit.
Working Capital
Fast cash for payroll, inventory, and the unexpected.
- Same-day funding available
- Fixed daily or weekly payments
- Soft credit pull to check rates
- No collateral required
Revolving Credit Line
A flexible line you draw from as needed.
- Reusable — draw as needed
- Interest only on what you use
- Rates from Prime + 2%
- No early-payoff penalty
Growth Term Funding
Larger, longer capital for expansion and equipment.
- Monthly payment schedules
- Equipment & real estate eligible
- SBA-backed options available
- Dedicated funding advisor
SBA Loans
Government-backed financing at our lowest rates.
- Rates from Prime + 1%
- SBA 7(a) & 504 programs
- The lowest rates we offer
- We handle the paperwork
Equipment Financing
Finance machines or vehicles — the asset is the collateral.
- Equipment is the collateral
- Finance machines or vehicles
- Preserve your working cash
Invoice Factoring
Turn outstanding invoices into same-day cash.
- Advance up to 90% of invoices
- Same-day cash
- No new debt added
Home Equity (HELOC)
Put your home equity to work for your business — a fast, fully-online HELOC through our lending partner, Figure.
- Apply in minutes, funding in days
- Fixed-rate draws
- Up to 85% combined loan-to-value
- 100% online — no branch visit
See your offer
in real time.
Move the sliders. Watch the math update. When the numbers feel right, apply — your offer is ready to fund.
Drag the amount.
Anywhere from $10K to $1M. Your numbers update live — no form, no commitment.
Pick a term.
From 3 to 24 months. Watch the monthly and weekly payments adjust in real time.
Lock it in.
Like what you see? Apply in five minutes. Soft credit pull — won't affect your score.
From application to deposit — in a single business day.
Apply in minutes
A short online application — no tax returns to start, and a soft pull that never touches your credit score.
Upload your statements
Securely add your last 3–6 months of business bank statements. Encrypted in transit, seen only by your funding desk.
Get an instant AI offer
Our AI reads your statements and returns an estimated funding range in seconds — a real number, not a generic quote.
Get funded
Review terms with a specialist, accept digitally, and receive your capital — often the same business day.
- $0B+
- Total capital deployed
- 0+
- Businesses funded
- 0 hours
- Average time to approval
- 0%
- Customer satisfaction
About Selective Capital
Built by operators,
for operators.
We started Selective Capital in 2015 because small and mid-sized businesses deserve better than a 6-week bank process. Today we've deployed over $5 billion in capital to more than 20,000 companies — from family-owned restaurants to national logistics fleets.
Our approach is simple: fast, flexible, and fair. We evaluate businesses on real cash flow, not outdated credit scores alone — so more good businesses get the funding they deserve.
Transparent by default.
Clear pricing, itemized fees, and no fine-print surprises. What you see in the offer is what you pay.
Partners, not lenders.
We invest in relationships — most of our customers come back for a second round of funding.
Tech-driven underwriting.
Our engine reads your real cash flow — so decisions are fast, fair, and based on what actually matters.
Bank-grade security.
256-bit encryption, SOC 2 controls, and read-only bank links. Your data stays yours.
Leadership
The people behind
every funded offer.
A small, senior team with deep roots in lending, underwriting, and product — all obsessed with making business capital feel effortless.
- EG
Eric Gasly
Chief Executive OfficerWith over 20 years in financial services, Eric leads our vision of making business financing accessible to all.
- AH
Ariana Hart
Chief Financial OfficerAriana brings extensive expertise in corporate finance and risk management, ensuring sustainable growth for our clients.
Merchant Upload Portal
Send us your statements
securely.
Already applied? Speed up your approval by uploading your statements directly to your underwriter. No email attachments, no faxes — just a secure link.
Drag, drop, done.
Upload the last three to six months of business bank statements — PDFs or screenshots, we handle the rest.
Bank-grade encryption.
Every file is encrypted in transit and at rest. Only your assigned underwriter can open them.
Reviewed in under an hour.
Most files are reviewed and acknowledged the same business hour they're uploaded.
- Drop PDF statements on the portal — up to 25 MB each.Upload now
Get Funded
Ready when
you are.
Tell us a bit about your business and we'll return a personalized offer — usually within a few hours. No obligation, soft pull only.
Ready to get funded?
See your estimated offer in minutes. Soft pull only — it won't affect your credit.