Other People's Money
Capital Match

The cheapest capital you're eligible for — ranked.

Every legal funding source scored against your credit, liquidity, equity, and target deal. Click any match to build the execution plan with your on-demand advisory team.

Your inputs
Bank & SBA

SBA 7(a) Loan

Strong match · 100

10% down to acquire a cash-flowing business.

Best for
Buying an existing business up to $5M.
Range
$50k – $5M
Rate
Prime + 2.75% (variable)
Close
60–120 days
Pros
  • Only 10% down
  • 10-year amort
  • Personal guarantee tolerable at scale
Cons
  • Personal guarantee
  • Slow underwriting
  • Life insurance requirement
Run on my dealExecution checklist
Bank & SBA

Conventional Commercial Loan

Strong match · 100

Bank real estate financing at market terms.

Best for
Investment properties, 1–4 unit portfolios, small multifamily.
Range
$100k – $10M
Rate
6.5% – 8.5%
Close
45–75 days
Pros
  • No SBA overhead
  • Portfolio flexibility
  • Refi options later
Cons
  • 20–30% down typical
  • Full doc
  • DSCR ≥ 1.25×
Run on my dealExecution checklist
Bank & SBA

DSCR / Non-QM Rental Loan

Strong match · 100

The rent pays the loan — not your W-2.

Best for
Rental investors with strong cash flow, weaker paper.
Range
$75k – $3M
Rate
7.5% – 9.5%
Close
30–45 days
Pros
  • No tax returns
  • Vests in LLC
  • Scales fast
Cons
  • Higher rate
  • Prepay penalties
  • Higher down (20–25%)
Run on my dealExecution checklist
Home Equity

HELOC

Strong match · 100

Turn dead equity into a revolving war chest.

Best for
Down payments, BRRRR gap, bridge to permanent.
Range
Up to 80–90% CLTV of home
Rate
Prime + 0.5% – 2.5% (variable)
Close
20–45 days
Pros
  • Interest-only draws
  • Reusable
  • Fast to fund
Cons
  • Variable rate
  • Home is collateral
  • Freeze risk in downturn
Run on my dealExecution checklist
Home Equity

Cash-Out Refinance

Strong match · 100

Lock in a fixed second mortgage in one transaction.

Best for
Large one-time deployments; hate variable rates.
Range
Up to 80% LTV
Rate
6.5% – 7.5% fixed
Close
30–60 days
Pros
  • Fixed 30-yr
  • Tax-deductible if for investment
Cons
  • Resets amortization
  • Closing costs 2–4%
Run on my dealExecution checklist
Retirement

Solo 401(k) / 401(k) Loan

Strong match · 100

Borrow from yourself. Pay yourself back with interest.

Best for
Self-employed with a solo 401(k) or big employer plan.
Range
Up to $50k (50% of balance)
Rate
Prime + 1% (paid to yourself)
Close
1–3 weeks
Pros
  • No credit check
  • Interest returns to you
  • Fast
Cons
  • 5-year payback
  • Job loss = balloon
  • $50k cap
Run on my dealExecution checklist
Seller & Structured

Seller Financing / Seller Carry

Strong match · 100

The best bank is the seller who wants out.

Best for
Off-market SMB and real estate acquisitions.
Range
20–100% of purchase
Rate
6% – 9%
Close
30–60 days
Pros
  • Flexible terms
  • No bank hoops
  • Seller has skin in the game
Cons
  • Requires negotiation skill
  • Rarely 100% financed
  • Balloon common at year 5–7
Run on my dealExecution checklist
Private & Alternative

Hard Money / Bridge

Strong match · 100

Fast, asset-based, expensive.

Best for
Fix & flip, BRRRR, distressed acquisitions.
Range
$100k – $5M
Rate
10% – 13% + 2–3 pts
Close
5–15 days
Pros
  • Closes in a week
  • Asset-first underwriting
  • No income doc
Cons
  • High cost
  • 6–18 month terms
  • Prepay/exit fees
Run on my dealExecution checklist
Private & Alternative

Private Individual Lender

Strong match · 100

Your network as a capital stack.

Best for
Recurring investors doing 2+ deals per year.
Range
$25k – $2M per lender
Rate
7% – 12%
Close
1–3 weeks
Pros
  • Highly flexible
  • No junk fees
  • Relational leverage
Cons
  • Regulatory (Reg D) if pooling
  • Relationship risk
  • Requires deal reputation
Run on my dealExecution checklist
Private & Alternative

Revenue-Based Financing (RBF)

Strong match · 100

Trade a slice of monthly revenue for growth capital.

Best for
SaaS, ecom, subscription businesses with $250k+ ARR.
Range
$50k – $3M
Rate
1.2×–1.5× multiple (implied 15–25% IRR)
Close
2–4 weeks
Pros
  • No dilution
  • No personal guarantee
  • Scales with revenue
Cons
  • Expensive if you scale fast
  • Revenue lockbox often required
Run on my dealExecution checklist
Business Credit

0% Business Credit Stack

Strong match · 100

$100–250k of unsecured 0% capital in 60–90 days.

Best for
Launching or bridging a business; short-cycle projects.
Range
$50k – $300k total
Rate
0% for 9–18 months, then 22%+
Close
45–90 days
Pros
  • Unsecured
  • 0% intro period
  • No collateral
Cons
  • High rate after intro
  • Score hit short-term
  • Discipline required
Run on my dealExecution checklist
Equity & Partners

Syndication as LP

Strong match · 100

Passive equity into pro-managed deals.

Best for
Accredited or sophisticated investors seeking cash flow + depreciation.
Range
$25k – $250k per deal
Rate
6–8% pref + 70/30 split typical
Close
2–6 weeks (subscription)
Pros
  • Truly passive
  • K-1 losses shelter income
  • Access to institutional deals
Cons
  • Illiquid 5–10 yrs
  • Sponsor risk
  • Accreditation often required
Run on my dealExecution checklist
Equity & Partners

JV Equity Partner

Strong match · 100

Bring the deal, they bring the capital.

Best for
Operators with skill + pipeline but light on cash.
Range
50–100% of equity check
Rate
50/50 or 70/30 splits typical
Close
2–8 weeks
Pros
  • No debt service
  • Aligned incentives
  • Scales your operator brand
Cons
  • Give up upside
  • Control tension
  • Legal structure required
Run on my dealExecution checklist
Grants & Incentives

Grants & Tax Credits

Strong match · 100

Free money hidden in the tax code.

Best for
Renewable, historic rehab, R&D, opportunity zones, WOTC-eligible hires.
Range
$10k – $2M+ per credit
Rate
Non-dilutive (grant) or refundable credit
Close
60–180 days
Pros
  • Non-dilutive
  • Stackable with debt
  • Can create refund
Cons
  • Paperwork-heavy
  • Timing lag
  • Some are competitive
Run on my dealExecution checklist
Bank & SBA

SBA 504

Strong match · 75

Fixed low-rate money for owner-occupied real estate & equipment.

Best for
Buying a building for your business or heavy equipment.
Range
$250k – $20M
Rate
5.5% – 6.5% fixed
Close
90–150 days
Pros
  • Fixed 20–25 yr rate
  • 10% down
  • Non-recourse on CDC portion at scale
Cons
  • Owner-occupied only (51%+)
  • Job creation reqs
  • Prepay penalty
Run on my dealExecution checklist
Retirement

ROBS Rollover (Business Startup)

Possible · 60

Fund a business acquisition with retirement dollars — tax-free.

Best for
Buying/starting a business with $75k+ in a rollover-eligible plan.
Range
$75k – $2M+
Rate
N/A — equity, not debt
Close
3–6 weeks
Pros
  • No debt service
  • Preserve liquid cash
  • Pairs with SBA
Cons
  • Complex compliance (ERISA)
  • Setup + annual admin fees
  • Personal risk to retirement
Run on my dealExecution checklist
Portfolio & Securities

Securities-Backed Line (SBLOC / Pledged Asset)

Possible · 55

Borrow against your portfolio without selling.

Best for
Investors with $100k+ in taxable brokerage.
Range
50–70% of portfolio value
Rate
SOFR + 1.5% – 3.5%
Close
1–2 weeks
Pros
  • No tax event
  • Same-day access
  • Cheap capital
Cons
  • Margin-call risk in drawdown
  • Variable rate
  • Not for concentrated positions
Run on my dealExecution checklist
OPM