Kael Capital — Business Term Loans up to $5M

01Position

Kael Capital is a private brokerage for business credit. We arrange term debt, SBA facilities, standing lines, working capital, and asset finance — twelve instruments in all — for owners who prefer their affairs handled quietly and correctly.

We hold no loan book and answer to no single lender. Our work is the shape of the ask, the choice of partner, and the terms that follow.

In all 50 states · Checking options won't affect your credit

Twelve

Funding products

24 hours

Decisions, in as little as

50 states

Coverage

One application

Multiple lender offers

02The ledger

Twelve instruments. Each placed with intention.

Every engagement leads with the two facilities we know best — term debt and SBA — and draws on the other ten when the situation calls for it.

i Business Term Loans Principal desk To $5,000,000Amount 3–7 daysTo funding Fixed principal, a defined schedule, priced once. For expansion, acquisition, or a considered refinance. ii SBA Loans — 7(a) & 504 Principal desk To $5,000,000Amount 1–4 weeksTo funding Government-guaranteed structures carrying the longest terms and lowest coupons available to a small business. iii Working Capital / Merchant Cash Advance To $500,000Amount 24–48 hoursTo funding An advance against future receipts, for the moment an opportunity will not wait for committee. iv Revenue-Based Financing To $1,000,000Amount 1–2 daysTo funding Capital sized to your receipts and repaid as a share of them. Heavier than an advance, lighter than a loan. v Business Line of Credit To $250,000Amount 1–3 daysTo funding A standing facility. Draw when needed, pay for what you use, keep the remainder in reserve. vi Equipment Financing To $2,000,000Amount 2–5 daysTo funding The asset secures itself. Machinery, vehicles, and plant, financed against their own value. vii MCA Consolidation To $2,000,000Amount 3–5 daysTo funding Several advances folded into one obligation — one payment, a longer horizon, and room to breathe. viii Commercial Real Estate To $5,000,000Amount 2–4 weeksTo funding Purchase or refinance of the premises the business stands on — owner-occupied or held to let. ix Invoice / P.O. Financing To $1,000,000Amount 1–2 daysTo funding Receivables and purchase orders, turned to cash before the customer pays. x Business Credit Cards To $150,000Amount 1–2 weeksTo funding Revolving spend with 0% introductory options, kept apart from the owner's personal file. xi Business-Purpose HELOC To $500,000Amount 2–3 weeksTo funding Home equity, put to business use — often the lowest-cost capital an owner holds. xii Credit Repair ServiceEngagement OngoingCadence A disciplined program to restore the file itself, opening doors the score once closed.

Unsure which applies? Submit the short form and an advisor will tell you plainly.

03The process

Six movements, from ask to answer.

The application

A short form, completed in minutes. No documents are needed yet; nothing is pitched.

The review

A soft credit inquiry only. The review leaves no mark on your score, and no obligation on you.

The comparison

Offers arrive from multiple lenders. You read them side by side, and we tell you plainly what each one costs.

The approval

Often within the same business day. The terms you accept are the terms you get.

The funding

Money moves in as little as 24 hours from accepted terms, wired to the business account.

The growth

The capital goes to work. We stay reachable for whatever the business asks next.

04Who we serve

Established operators, across the American economy.

Working capital and merchant cash advances ask for a 500 credit score, six months in business, and $10,000 or more in monthly revenue. Term loans and SBA facilities ask for a 650 score and two years of history. The documents: three to four months of business bank statements and a one-page application. Among the industries we place most often:

Construction & skilled trades
Medical & dental practices
Restaurants & hospitality
Retail
Transportation & logistics
Manufacturing

05Adjacent services

Beyond credit, the quieter work.

Four services kept alongside the ledger, for clients who prefer one firm across the whole of it.

Payment Processing

Card & ACH acceptance

Bookkeeping

Ledgers kept current

Payroll

Run without ceremony

Advisory

A considered second opinion

06Questions

Asked often, answered plainly.

How quickly does funding arrive?

Working capital settles in 24 to 48 hours. Term loans fund in three to seven days from accepted terms; lines of credit in one to three; equipment financing in two to five. SBA facilities run one to four weeks. In the best cases, money moves in as little as 24 hours.

Will an application affect my credit?

No. The initial review uses a soft credit inquiry, which leaves no mark on your score. A full inquiry happens only if you accept a specific offer that requires one — and you would be told before it happens.

What is required to qualify?

For working capital and merchant cash advances: a credit score of 500 or better, six months in business, and monthly revenue of $10,000 or more. Term loans and SBA facilities ask more of the file — a 650 score and two years of operating history.

What documents will you ask for?

Three to four months of business bank statements and a one-page application. That is the whole of it to begin; if a larger placement requires more, we ask once, and only for what the file needs.

How does repayment work?

It follows the instrument. Term loans and SBA facilities carry fixed payments on a set schedule. Lines of credit charge interest only on what is drawn. Working capital advances remit as a fixed daily or weekly amount, or as a share of revenue. Every term is set out plainly before you sign.

Is Kael Capital the lender?

No. We are a broker. Funding is arranged through a network of financing partners and remains subject to their underwriting; our role is to structure your request, place it with the right desk, and manage the process through to close.

What can the funds be used for?

Any legitimate business purpose — payroll, inventory, equipment, expansion, acquisition, refinancing, real estate, or simple working room. The one boundary: business use, not personal.

07Correspondence

The next step is a conversation.

Three minutes of your time. A soft credit review. Options within 24 hours, and no obligation at any point.

Start an application Call {{PHONE}}

Or write directly — [email protected]

Capital,arranged properly.