Frequently Asked Questions

Is a merchant cash advance a loan?

No, it is not a loan. Capybara Capital purchases the future receivables of a business at a discount for an upfront cash payment.

Our underwriting team will review the financial information of the business, compute what the business can afford on a daily or weekly payment and provide an offer of the terms of the agreement.

How much funding can my small business receive?

Funding amounts vary from business to business, but generally Capybara Capital’s merchant cash advances range from $25,000 to $2,000,000.

I’ve been turned down for a loan by my bank, will Capybara Capital be able to help me?

Capybara Capital often provides cash advances to businesses that have been turned down by traditional lenders. We are more flexible than banks in terms of the types of businesses we will work with, the purpose for which the funds will be used, and in some cases, the credit history of the business and  its owners.

There are some problems with my credit, can I still get help from Capybara Capital?

Unlike banks, Capybara Capital has greater flexibility when it comes to reviewing past credit experience. Past credit problems can typically be overcome by a demonstration of current business strength accompanied by a strong likelihood of continued good business trends.

Is my business plan too unconventional for Capybara Capital?

Capybara Capital works hard to understand your underlying business plan and it’s unique business features. We want your business to succeed. If your plan makes good business sense, it’s entirely possible that we will be able to fund them.

Why Capybara Capital, and not another funding company?

In an industry where many companies use high-pressure sales tactics and cloud the total costs, Capybara Capital offers a refreshingly transparent sales approach. Think of Capybara Capital as your silent business partner. We’ll tell you if the product is right for you, and we’ll work with you to help you maximize the return on your advance, so you can increase sales and profits.

Is this a one-time only program?

Capybara Capital strives to service repeated advances for each merchant based on the business’s needs.  We pride ourselves in relationship building and our goal is to be your sole source of funding.  In fact, the customers who have tested the competition usually return to Capybara Capital because of our  straightforward approach. Growing your business is our business, and we aim to provide repeat transactions.