We make business lending simple!
We approve within 24 hours and have no credit score minimum.
Our Programs
Eleven ways to fund your business
01
$Cash Advance
Merchant Cash Advance
Quick working capital for businesses generating at least $20,000 in monthly revenue. Payments adjust to your daily sales.
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02
↻Revolving Credit
Business Line of Credit
Draw funds whenever you need them and pay interest only on what you use — ideal for day-to-day cash flow.
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03
✦Startup
Startup Business Loans
Strong personal credit (680+) and $30K in annual income can qualify you to fund your business idea from day one.
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04
⬣Working Capital
Large Business Working Capital
Significant capital for expansion, payroll, or inventory. Flexible structures sized to your revenue, up to seven figures.
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05
◆Small Business
Small Business Loans
Fast, simple funding with minimal paperwork and repayment terms built for a smaller operation's cash flow.
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06
⚙Equipment
Equipment Financing & Leasing
Get the machinery you need without draining cash reserves. Conserve capital, gain tax benefits, and build credit.
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07
✓Term Loan
Unsecured Business Term Loans
Fixed monthly payments, terms up to 5 years, and no collateral required — a quicker path than a bank loan.
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08
◇Personal
Personal Loans
Strong personal credit can qualify you for a fixed-payment loan usable for any purpose, business or otherwise.
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09
★Government-Backed
SBA Loans
Some of the lowest rates and longest terms available, for qualified borrowers who can navigate a longer process.
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10
❄Point of Sale
Consumer Financing
Let your customers pay over time while you get paid upfront — increasing close rates and average ticket size.
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11
⇄Refinance
Business Loan Consolidation
Refinance existing debt into a single, more manageable monthly payment and improve your cash flow.
Learn MoreMake the best decision for your business.
Apply once — we'll match you with the right program.
We Offer More Loan Options Than Your Bank
Business Loans
GoKapital offers a wide variety of business loan programs for all types of industries. Whether you're looking to purchase equipment, invest in marketing, or take on new projects, we make the lending process fast and simple.
SBA Business Loan
SBA loans have low rates, long terms, and are backed by the US Government. The trade-off is a longer process — typically 2-3 months of review and strict qualification criteria (700+ credit, strong profitability, 2+ years in operation).
Business Cash Advance
If you need quick working capital and generate at least $20,000 in monthly revenue via card transactions, a merchant cash advance adjusts to your business performance — you pay a small percentage of daily sales.
Equipment Financing Loan
The right equipment increases revenue and fuels growth. Our leasing and financing programs conserve cash flow with low monthly payments, offer tax savings, and help build your business credit.
Business Line of Credit
Once you have a pre-approved limit, access funds at any time and only pay interest on what you use. Benefit from monthly payments, a quick application, and the ability to build business credit history.
Unsecured Term Loan
A simple-interest loan with monthly payments and terms up to 5 years. Ideal for established businesses that want a quicker, easier process than a bank. No collateral needed, and payments start a month after funding.
Large Business Working Capital
Bigger operations need bigger, more flexible funding. This program is structured around your revenue and cash flow, giving established companies the capital to expand, hire, or restock without giving up equity.
Small Business Loans
Built for smaller operations that need capital fast without heavy paperwork. Streamlined underwriting and flexible use of funds make this a practical option for day-to-day business needs.
Personal Loans
If you have strong personal credit history, you may qualify for a personal loan that can be used for any purpose — business or otherwise — with predictable fixed monthly payments.
Startup Business Loans
Have you always wanted to start a business but lacked the capital? With strong personal credit (680+) and at least $30K in annual income, you may qualify based on personal credit alone.
Consumer Financing
Let your customers pay over time while you get paid upfront. Our point-of-sale financing program helps businesses increase close rates and average transaction size.
Loan Consolidation
Refinance existing debt and improve your cash flow with our business loan consolidation program — combine multiple payments into one, more manageable monthly obligation.