Purpose before product
We ask what the money is for before we discuss what it might be. An owner who arrives certain they want a merchant advance often needs a receivables facility, and the reverse is just as common.
About the firm
An introduction desk, not a balance sheet.
Capital Finance Network exists to put a well-prepared commercial finance file in front of the small number of funders likely to write it. That is the entire business. We hold no capital, take no credit risk and issue no commitments.
Position
Where we sit in the transaction
A commercial finance transaction has three parties. The business needs money. A funder has money and a credit policy describing exactly what it will do with it. Between them sits the file — the documents, the story, the structure being asked for.
We work on the file. We help an owner decide what to ask for, assemble the material a credit desk needs, and introduce the result to funders whose published appetite fits. When a funder makes an offer, the contract is between that funder and the business. We are not a party to it, we do not service it, and we cannot change its terms afterwards.
That boundary is worth being blunt about because a great deal of the commercial finance market is deliberately vague on it. Sites that look like lenders, brand the paperwork as their own and only disclose the actual funder at signing are not doing anyone a favour. Read who actually decides.
Principles
Four commitments, plainly stated
Cost stated in dollars
Factor rates, discount fees and daily remittance schedules are not comparable to an annual percentage rate by eye. Whatever a funder offers, we will restate it as total dollars repaid over the actual term.
Placed, not scattered
An application submitted to fifteen funders in a morning tends to come back worse than one submitted to three that write that kind of paper. We place files deliberately and tell you where they went.
“Don’t borrow” is an answer
Sometimes the cash-flow problem is a collections problem, a pricing problem or a customer-concentration problem, and new debt makes it worse. We will say so, and we would rather say it early.
Disclosure
How we are paid
There is no charge to a business for speaking with us, for submitting a file, or for receiving an introduction. When a funder completes a facility that originated with an introduction from us, that funder may pay us a commission. That payment comes from the funder, not from your proceeds, and it does not change the terms you are offered.
Because commission arrangements vary between funders, an introduction service always carries an inherent conflict of interest. Ours is managed the only way it can be — by telling you which funders received your file and why, so you can weigh the recommendation yourself. If you would like the commission arrangement for a specific funder before you sign anything, ask and we will put it in writing.
Contact the desk or read the terms of use.