Access commercial credit and raise funds without banks, investors, or delay.
We stress test deals early on, to increase the odds you get the funds you need.
Once you complete your first deal with our capital desk, fundings happen same or next day.
aboutInstitutional-Grade Capital Desk for $3M-$100M Companies
We help companies access capital in a timely and efficient manner, without banks or investors. Through a network of strategically aligned commercial institutions, we help source, structure, and secure capital. Structures are based on balance sheet assets, sales history, and existing commercial financings. As performance-based advisors, we only earn fees if we secure you the capital. And much like a traditional Debt Capital Markets (DCM) team, we invest in our desk’s transactions.
All on a performance fee basis.
why usCommercial Credit, Engineered for the Highest Approval Rates
Access 60+ Institutions
Our breadth of lender access and commercial credit products gives you more ways to get approved.
High Approval Odds
With some of the highest approval rates, we present 2-3 solutions, so your deal has multiple paths to "yes".
Minimal Documentation
UCC-9 transactions require far fewer documents than banks need, making it faster, and easier, to fund.
DFY Underwriting Narrative
We craft the UW narrative for you, and position you so lenders see the strongest version of your story.
High Certainty to Close
We pressure-test and reaffirm soft offers early with lenders, giving your deal a high certainty to close.
Timely Capital
Once approved, funds wire in 1-5 days, depending on structure, and sam-day or next-day access to future draws.
No Lender Black Holes
We manage the entire process end-to-end so your deal doesn't stall, drift, or die in underwriting from time decay.
Aligned With Your Success
Whether through our Capital Markets or Inside Desk, we only get paid if you secure capital. No upfront fees.
Optimize cash flow with Commercial Capital & Credit Solutions
use of fundsPosition yourself as a dominant force in the marketplace, with experts by your side.
Take On Bigger Orders
Accept and fulfill larger contracts, enterprise customers, and high-volume POs with confidence. Stop turning down growth because the working capital isn’t there.
Capital On Demand
Build financial stability that eliminates recurring cash gaps and allows you to operate from strength, not stress. Capital becomes a liquidity engine, not a scramble.
Buy Out Old Partners
Execute partner buyouts, ownership transitions, or recapitalizations without draining liquidity or disrupting operations. Protect control and maintain momentum.
Refinance Mismatched Debt
Replace expensive, restrictive, or predatory facilities with sustainable structures that restore cash flow and stabilize the business long term.
Settle Up With Vendors
Clean up payables, restore vendor relationships, and negotiate from a position of strength. Reduce operational pressure and improve supply-chain reliability.
Accelerate Delayed Receipts
Unlock capital tied up in receivables or contractual payouts, so cash comes in faster, reducing strain and enabling more aggressive growth cycles.
Exigent Circumstances
Access rapid-response capital for urgent situations — supply-chain shocks, unexpected opportunities, operational disruptions, or sudden financial needs.
Payroll & Ops Financing
Ensure payroll is always met without compromising stability, credibility, or morale. Access to quick commercial capital protects your workforce and reputation.
Average Employees
Our average client has 91 employees, with most clients operating in the healthcare, manufacturing, CPG, and digital media industries.
Average Client Revenue
Our average client does $31M in annual revenue, in what we define as the Micro Middle Market: too big to be a “small business”, but not big enough to catch the attention of Lower Middle Market lenders.
principlesWe get paid only if you get funded, and we invest to avoid moral hazard.
Working with Capital Desk has made raising capital so simple. Their process is fast, efficient, and they always have a back-up option, just in case.
We had a deal fall apart in the last minute and the Capital Desk was able to find a competing, and even better, offer that closed. We are so thankful for them.
Fast and efficient. You can trust they'll do the right thing because they put money on the line.
testimonialsHear what clients have to say about the Capital Desk.
partnersWe integrate with the best, to stress test offers early, and increase the odds you close.



