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Selective Capital
Business funding from $5K to $5M

Funding that moves at the speed of your business.

Working capital, credit lines, and SBA loans. Apply in five minutes, see your offer in hours, and get funded as soon as today.

Apply in 5 minutesEstimate your offer
  • Soft pull — no impact to your credit
  • Same-day funding available
Capital funded since 2015
Businesses funded
Median time to approval
Minimum credit score
BBB Accredited Business, A+ ratingRated Excellent on Trustpilot

Funding owners across every Main Street industry

  • Restaurants
  • Construction
  • Healthcare
  • Retail
  • Logistics & trucking
  • Auto repair
  • Professional services
  • Manufacturing
  • Beauty & wellness
  • E-commerce
Funding products

One application.
Every kind of capital.

Tell us what you need it for. We'll match you to the right product and terms — you don't have to figure it out alone.

Most popular

Working capital

Cash for payroll, inventory, and the opportunity that won't wait. Decisions in hours, funding as soon as the same day.

$5K – $500K
3–24 month terms
  • Same-day funding available
  • Fixed daily or weekly payments
  • No collateral required
  • Soft pull to check your rate

Revolving line of credit

Draw what you need, repay, and draw again. Pay only on what you use.

$10K – $1M
Draw anytime

SBA loans

Government-backed financing at our lowest rates. We handle the paperwork.

$50K – $5M
Up to 25 years

Growth term funding

Larger, longer capital for expansion, build-outs, and acquisitions.

$25K – $5M
Up to 5 years

Equipment financing

Machines, vehicles, technology. The equipment is the collateral.

$15K – $2M
Asset-secured

Invoice factoring

Turn unpaid invoices into cash today — without adding new debt.

$10K – $3M
Advance on receivables

Home equity line (HELOC)

With our lending partner Figure

Put home equity to work for your business, fully online.

$15K – $400K
5–30 year terms
How it works

From application to deposit in as little as a day.

  1. Step 01

    Apply in five minutes

    A short online application. No tax returns to start, and a soft pull that never touches your credit score.

  2. Step 02

    Share your bank statements

    Securely upload your last 3–6 months of business statements. Encrypted, and seen only by your funding desk.

  3. Step 03

    Get your offer

    We read your real cash flow — not just a credit score — and come back with an offer, often within hours.

  4. Step 04

    Get funded

    Review terms with your advisor, sign digitally, and receive capital — often the same business day.

Start your application
Offer estimator

Know your numbers
before you apply.

See what a payment could look like for your business in seconds. No sign-up, nothing saved.

  1. 01

    Drag the amount

    Anywhere from $10K to $1M. Numbers update as you move — no form, no commitment.

  2. 02

    Pick a term

    From 3 to 24 months. Watch monthly and weekly payments adjust in real time.

  3. 03

    Apply when it feels right

    Five minutes, soft credit pull. Your advisor confirms the real terms.

Your estimateLive
$250,000
$10K$1M
12 months
3 mo24 mo
Weekly
$5,069
Monthly
$21,967
Total repaid
$263,608
Apply for this amount

Illustrative estimate at 9.9% APR. Your actual rate and terms depend on your business and are confirmed before you sign. Checking won't affect your credit.

Why Selective

Built by operators,
for operators.

We started Selective Capital because good businesses deserve better than a six-week bank process and a form-letter rejection.

So we underwrite the way owners actually run their companies — on real cash flow — and pair every client with an advisor who knows their name.

  • Cash-flow underwriting

    We look at how your business actually performs, so more good businesses qualify — even when credit isn't perfect.

  • One application, every option

    Apply once. We match you to the product that fits, from same-day working capital to 25-year SBA loans.

  • A person, not a portal

    Every business gets a dedicated funding advisor who picks up the phone and explains the terms in plain English.

  • Clear, upfront terms

    You see the full cost before you sign. No surprise fees, no fine print you need a lawyer to decode.

Leadership

The people behind
every funded offer.

A small, senior team with deep roots in lending and underwriting — and a phone number that actually gets answered.

  • Eric Gasly

    Chief Executive Officer

    Twenty years in financial services, leading our mission to make business capital accessible.

  • Ariana Hart

    Chief Financial Officer

    Corporate finance and risk management, keeping every program built for the long term.

  • Jonathan Sanders

    Head of Business Development

    Builds the lending partnerships that let us say yes to more businesses nationwide.

  • Jennifer Wells

    Director of Client Relations

    Makes sure every client gets personal attention from application to funding — and after.

Already applied?

Send your statements securely, in a minute.

  • PDF statements, up to 25 MB each
  • Encrypted, seen only by your funding desk
  • Usually reviewed the same business hour
Open the upload portalupload.selectivecap.com
Questions

Straight answers.

Something else on your mind? Call us at (561) 915-1002.

Will applying affect my credit score?
No. Checking your offer uses a soft credit pull, which doesn't affect your score.
What do I need to apply?
Basic business and owner details, plus your last 3–6 months of business bank statements. No tax returns to start.
How fast can I get funded?
Most applications get a decision within hours. Once you accept, funding often lands the same business day.
What credit score do I need?
Programs start at a 550 credit score. We weigh your cash flow and time in business, not just the score.
How much can I get?
From $5,000 to $5 million, depending on the product, your revenue, and your time in business.
Is my information secure?
Yes. Your application and statements are encrypted in transit and only your funding desk can see them.
Get funded

Ready when
you are.

Five minutes to apply. An offer in hours. A real person with you the whole way.

Start your applicationCall (561) 915-1002