Our Capital Markets service is best for competitive bids, price shopping, and extracting the best offers.
At our core, we help companies raise capital without headache or delay. We run a disciplined, go-to-market process on a performance basis. As of Jan., 2026, we work with 60+ institutions to find you best fit capital.
We offer deals based on assets, sales data, and existing financings. Every client is unique in their situation, and every deal is different. We weigh all those factors, as well as your use of funds, to find the best match.
No matter where we end up in the commercial market, our goal is to extract the best deal for you. We do this by framing you in the best light, with a “DFY” underwriting narrative. We do this to create competition. To negotiate the best terms. And to find the best price.
As performance based advisors, we don’t charge fees upfront. We only earn fees if/when you get the funds. This keeps incentives aligned around getting a deal done that actually work. And to get rid of any moral hazard, we invest in the deals we source.
For select clients and those with $10M+, we offer our Inside Desk service.
We designed Capital Desk with speed in mind. Our process is fast, efficient, and streamlined. We stress test offers to early to increase the odds you to close. This prevents you from going down roads that end up as a dead end. We de-risk your raise with a four-step process:
- Structure: We help structure the deal based on assets, sales data, existing financings, cash flow, profitability, industry, and owner credit score (no personal guarantees – personal credit is used for pricing).
- Price Shop: If you’ve looked at enough offers then you know it really comes down to price. If you’d like us to price shop as your Inside Desk, we are happy to do so – and we will only show you an offer if the pricing/terms beat what you currently have.
- Secure: No matter what path you choose – a deal you brought to us, or a deal we bring to you – we’re here to help yo secure the funds. This means reviewing and responding to every lender request that comes in, and corresponding with underwriters.
Due to volume, we cannot help everyone. We kindly ask that you read through these FAQs before reaching out.
The Capital Desk is a commercial credit platform built for companies with $3M-$100M in annual sales. We are laser focused on commercial capital only, against assets like receivables, purchase orders, inventory, and future cash flow. Through a network of strategically aligned commercial institutions, we help companies structure, source, and secure the funds they need. We offer an array of asset-based and sales-based financing solutions including business lines of credit (BLOC), receivables factoring, purchase order financing, and inventory lines of credit and loans.
For asset based financing you can get up to 80-95% of your receivables, 60-75% of your purchase orders, and 50-65% of your inventory and raw goods balances. For sales based financing transactions, companies can obtain 5-15% of their trailing 12 months sales. This continuum of funding size is based on industry, cash flow cycle and history, profitability, owner credit score, and most recently filed tax return, among other factors.
For asset based financing deals, 5-15 business days. For sales based financing deals, 1-3 days, maybe longer depending on complexity. All deals move at the pace of the company seeking the capital.
Asset based financing deals like lines of credit tend to be more secure and also usually require a personal guarantee. Because of these added protections for the funder, they tend to be lower priced than sales financing, which almost never have a personal guarantee. Instead, sales based financing have validity guarantees (to protect against fraud), performance guarantees (to protect against nonfeasance) , and bad boy guarantees (to protect against malfeasance). But if the business has a slowdown and cannot make payment, resulting in an the inability to pay, the company representative who signed the deal is usually ok (please see our disclaimers).
Soft pull only. It won’t appear on your credit score, because our platform does a soft credit check with Experian.
There is a variety of repayment structures available for asset based financing deals. For sales base financing deals, they are based on sales history and may or may not be structured like a loan. Often times, SBF deals have weekly or bi weekly, or bi monthly payments built into them, withdrawn via ACH from the companies bank account (Except in certain States that prohibit it. Please see our disclaimer).