214-225-2333

Capital Solutions for Working Capital and Business Acquisition

$50k–$500k in Working Capital in 2 weeks

Based on your personal credit — business history not required. Approvals in as little as 48 hours.

Available to new business owners, startup founders, and first-time buyers. When your bank can't move fast enough and merchant cash advance isn't the answer.

PRE-APPROVAL CLOSE RATE
97%
FACILITY RANGE
$50k–$500k
QUALIFICATION
700 FICO

Why Traditional Financing Fails

Business Buyers and New Owners

12–24 Months
Operating History Required

Most business funding programs exclude first-time buyers, startup founders, and search funders.

60–120 Days
SBA Underwriting Timeline

Lengthy approval process unsuitable for transactions that need to close quickly.

60–200%
MCA Effective Annual Rate

Merchant cash advance products trap businesses in predatory debt cycles.

Mercantura Capital Provides a Different Path

Our funding is underwritten on your personal credit profile or business history, offering ultimate flexibility. Qualified individuals with 700+ FICO and $50k+ annual income access capital in 2 weeks regardless of business tenure.

Why Mercantura Capital

Built for business buyers, new owners, and operating businesses

01

We qualify before making recommendations

Every engagement starts with our Pre-Qualification using a soft credit pull. You receive an honest assessment of which solutions fit, expected facility ranges, and any items that might need to change.

02

We focus on what we do well

Working capital under $500k through personal credit-based lenders. ABL revolving lines at $5M+. Business acquisition financing across three tiers based on transaction size.

03

We turn down work that doesn't fit

If your situation doesn't match our products, we'll tell you. If your credit profile needs improvement, we'll explain specifically what needs to change. Honest assessment is more valuable than wasted time.

Three Solutions to Support Your Business Capital Needs

Working capital, equipment financing, and acquisition financing tailored to your situation

WORKING CAPITAL
High Balance Credit Cards
2 weeks
$50k–$500k
Term Loans
2 weeks
$50k–$500k
ABL Revolving Line of Credit
30–60 days
$5M+
EQUIPMENT FINANCING
High Balance Credit Cards
2 weeks
$50k–$500k
Term Loans
2 weeks
$50k–$500k
ACQUISITION FINANCING
Term Loans
2 weeks
$100k–$300k
SBA Financing
60–120 days
$500k–$5M
Private Capital
60 days avg
$7M+

Note: Qualification for working capital and equipment products: 700+ middle FICO, under 40% utilization, $50k+ annual income

Approval Process

We qualify before making recommendations

1

Book a Meeting

Complete lead intake form, then qualifying details and select consultation time.

2

Initial Consultation

15-minute call with your advisor to review your funding need and confirm fit.

3

Pay $99 Advisory Fee

One-time advisory fee, rebated at funding. Secures your file review and lender submission.

4

Get Credit Report

Purchase 3-bureau report from MyFICO or chosen vendor. Soft pull, no impact to score.

5

Upload Files

Upload credit report and 3 years of tax returns via secure link.

6

Term Sheet and Funding

48 hours to approval and term sheet. 14 days to funding after acceptance.

Advisory fee ($99) rebated at funding. Soft credit pull only. No hard inquiries until term sheet acceptance.

Ready to see what you qualify for?

Start with a soft credit pull — no impact to your score.

Get Pre-Qualified