01
Working capitalShort cycle
Bridges the gap between money going out and money coming in. Payroll, inventory, a season that starts before it pays. Repaid out of trading, not out of a project.
Read the detailCapital Finance Network Commercial finance Cheyenne, Wyoming Est. 2026
Capital is not the hard part. Structure is.
We work with owners and finance teams to define what a business actually needs — the amount, the term, the security, the covenant it can live with — then introduce that file to independent funders who write that kind of paper.
Five instruments. One question that decides between them: how does this get repaid?
- No credit pull to start a conversation.
- No cost to assemble or submit a file.
- We are not a lender. Every funder is independent.
- Facility sizes considered
- $10,000 – $2,000,000
- Typical file turnaround
- 2 – 10 business days
- Minimum trading history
- 6 months
- Cost to submit a file
- $0.00
01 — Instruments
Five ways a business raises money against itself
Most owners arrive asking for “a loan.” That word covers five quite different contracts with different security, different cost mechanics and very different consequences if trading softens. The first conversation is always about which one the situation actually calls for.
02
Equipment financeAsset backed
The machine, vehicle or system secures its own funding. Payments are set against the useful life of the asset rather than against the balance sheet alone.
Read the detail03
Invoice factoringReceivables
Sells the invoice rather than borrowing against it. Scales with the ledger, which is why growing B2B firms with slow-paying customers keep coming back to it.
Read the detail04
Revolving line of creditStandby
Approved once, drawn as needed, interest on the drawn balance only. The right instrument when the timing of the need is unknown but the need is recurring.
Read the detail05
Merchant cash advanceCard volume
A purchase of future card receipts, repaid as a share of daily settlement. Fast and flexible, and the most expensive money on this page. Read the factor rate carefully.
Read the detailRanges describe how the commercial finance market is generally organised. They are not offers, quotations or predictions of approval. Every facility is written by an independent third-party funder under its own credit policy.
05 instruments · 1 question
02 — Guided match
What are you financing?
Three questions, answered here in the page. Nothing is sent anywhere and nothing is stored. The card on the right names the instrument that normally fits a situation like yours and what a credit desk will lean on when it reads the file.
Tailored result
Matched instrument
Start with the first question
Tell us what the money is for and this card names the instrument that normally fits, what it typically looks like, and what underwriting will lean on.
- Indicative size—
- Typical term—
- Underwriting leans on—
A guided suggestion, not an approval, an offer or advice. The desk will tell you if the situation calls for something else entirely.
03 — Process
Three steps, and none of them are a form you fill in twice
Define the need
A short conversation about what the money is for, when it is needed and how it gets repaid. Purpose drives structure: a six-week inventory gap and a five-year fit-out are not the same request wearing different clothes.
Assemble the file
Bank statements, a debtor and creditor ageing, entity documents and whatever supports the story. A complete file read by a credit desk once beats a thin file read three times and declined for missing pages.
Place it deliberately
We introduce the file to funders whose stated appetite matches it, rather than blasting it across a panel. Scattering an application marks a business as shopped and generally makes the terms worse, not better.
04 — The file
What a credit desk wants to see
Underwriting is a reading exercise. The documents below are what a commercial funder opens first, roughly in this order, and each one answers a specific question about whether the facility can be serviced.
- Six months of business bank statements. Average daily balance, negative days, deposit rhythm. This is the single most influential document in the file.
- Accounts receivable and payable ageing. Who owes you, who you owe, and how concentrated both sides are.
- Entity and ownership documents. Formation, good standing, cap table for anyone at or above twenty per cent.
- Existing obligations. Every open advance, lease and UCC filing. Undisclosed debt found in diligence ends more files than disclosed debt ever has.
- A use of funds. Two sentences, specific. “General purposes” is the least persuasive phrase in commercial credit.
05 — Sectors
Where commercial paper is written most readily
Funder appetite is sector-specific and moves with the credit cycle. These are the categories where an introduction is most likely to find a home on reasonable terms.
Wholesale & distribution
Light manufacturing
Commercial construction
Transport & logistics
Staffing agencies
Professional services
Healthcare practices
Food service groups
Speciality trades
Business services
E-commerce & retail
Facilities management
06 — Insight
Written for the person who signs
Plain explanations of the instruments and the diligence, with the parts most brochures leave out. No gated downloads, no email wall.
Structure
Working capital or a term loan?
They solve different problems. Matching the instrument to the cash-flow gap is most of the work.
ReadAssets
Equipment financing, explained
Why the machine itself changes the credit conversation, and where lease versus loan actually lands.
ReadReceivables
How invoice factoring works
Advance rate, reserve, notification, recourse. The four terms that decide whether factoring helps you.
ReadCredit
What underwriters actually review
Bank statements before tax returns, and what a credit desk is really looking for in each document.
Read07 — Questions
The things worth asking before you send anything
Are you a lender?
No, and the distinction matters. Capital Finance Network is an information and introduction service. We do not make credit decisions, issue commitments, fund facilities or service accounts. Every facility discussed here is written by an independent third-party finance company under its own credit policy and its own paperwork.
Does talking to you affect my credit file?
Starting a conversation does not. We do not pull consumer or commercial credit, and nothing on our contact form triggers an inquiry. A funder you choose to proceed with may run its own checks later — they will tell you before they do, and that step is yours to agree to or decline.
What does this cost me?
Nothing to talk to us, nothing to assemble a file, and nothing to be introduced. If a funder writes a facility, it pays us for the introduction out of its own economics. You will see the full cost of any facility in that funder’s own documents before you sign anything, and you should read them.
How long does a file usually take?
Two to ten business days is the ordinary range, and the variable that moves it most is you. A complete file — six months of statements, a debtor and creditor ageing, entity documents and a schedule of existing debt — gets read once. An incomplete file gets read three times and is often declined for the missing pages rather than the numbers.
My business is only a few months old. Is it worth asking?
Below roughly six months of trading history the commercial market is thin, and we would rather say that than take your time. If you are close to that mark, or if the request is equipment-led where the asset carries more of the risk, it is still worth a conversation. We will tell you if the honest answer is to wait.
Can you tell me my rate?
No, and be careful with anyone who does before reading a file. Cost on commercial paper moves with credit profile, sector, time in business, security and which funder ends up writing it. Any range shown on this site describes how the market is generally organised. It is not a quotation, an offer, or a prediction of what you will be approved for.
What happens to the information I send?
It is used to understand the requirement and, with your agreement, to introduce the file to funders whose stated appetite matches it. We do not sell contact details to marketing lists. Do not email sensitive documents — ask the desk for a secure upload link. Our privacy notice sets out the detail.
Next step
Tell us what the money is for.
No credit pull to start a conversation, no cost to submit a file, and no obligation at any stage. If the answer is that you should not borrow right now, we will say so.