Free advice
Fifteen minutes. Zero obligation.
One call with the funding desk, about your business and your numbers. No pitch deck, no form to fill in first, and no one trying to move you toward whichever product pays best.
Lenders pay us when a deal funds. The advice costs you nothing, and you keep it either way.
(561) 915-1002 · Monday to Friday, 9am – 6pm ET
What we'll cover
Four things, in about fifteen minutes. If your situation only needs two of them, the call is shorter.
- Where your profile is fundable today — what a lender actually sees when they look at your file, not what a website guesses.
- Which options fit your timing — the ones that can move this week, and the ones worth waiting ninety days for.
- The real cost math — total dollars paid back, not a headline rate, so two offers can be compared honestly.
- What to fix before you apply — the months of history, the balance, or the paperwork that moves your terms.
Rather read first? All sixteen options are compared side by side, and the community questions are answered in writing by the same desk.
Request a callback
Or start with the guides
One long-form guide per financing option — what it costs, who qualifies, the mistakes that cost people money, and what to compare it against. Free to read, no email required.
- SBA loans: the cheapest money you'll wait the longest forHow the SBA guarantee actually works, which of the six programs fits, what the low payment costs you in time, and when waiting ninety days is the wrong call.Read the guide →
- Business term loans: the term matters more than the rateA worked comparison of one-, three-, and five-year term loans on the same $100,000, plus the fees that don't show up in the rate and when speed is worth the premium.Read the guide →
- Working capital loans: borrowing for the gap, not for growthWhat a working capital loan covers, why the payment schedule matters more than the rate on short money, and the honest test for whether borrowing fixes your cash-flow gap.Read the guide →
- Business lines of credit: you're paying for access, not for moneyHow draw-day interest actually adds up, why an undrawn line costs almost nothing, and the discipline that separates a credit line from an expensive term loan.Read the guide →
- Equipment financing: match the term to the life of the machineWhy the asset securing the loan changes who qualifies, what a $80,000 machine costs over three, five, and seven years, and the over-terming mistake that outlasts the equipment.Read the guide →
- Revenue-based financing: flexible payments, fixed costPayments flex with your sales but the payback total doesn't move — which means repaying faster raises the implied annualized cost. Here's the math, worked four ways.Read the guide →
- Asset-based lending: borrowing against what you already ownHow a borrowing base is built from receivables and inventory, which assets get excluded before you ever see a limit, and what the reporting really costs in time.Read the guide →
- Bridge loans: cheap by the month, ruinous by the delayA bridge loan is underwritten on its exit, not on your business. Here's what nine months of interest-only actually costs, and what five months of slippage adds.Read the guide →
- Franchise financing: funding the fee, the build-out, and the rampA $450,000 franchise project costed line by line, why the ramp period is the item owners forget, and what an approved-brand list actually changes about your file.Read the guide →
- Purchase order financing: when the order is bigger than the bank accountThe fee looks small and annualizes high — but the number that decides the deal is what it takes out of your margin. Worked at a healthy margin and a thin one.Read the guide →
- Business acquisition loans: the target's numbers decide the dealA $1,000,000 acquisition structured line by line — equity, seller note, and bank debt — with the debt-service coverage test that actually determines whether it funds.Read the guide →
- Inventory financing: a bet on how fast the stock movesThe cost of inventory financing is set by turn speed, not by the rate. What $100,000 of stock costs at six months, and what it costs when the season disappoints.Read the guide →
- Invoice factoring: buying back your own cash flowYour customers' credit is what gets underwritten, and their payment habits set your cost. A $50,000 invoice, worked at thirty days and at sixty.Read the guide →
- Commercial real estate loans: buying the building you already occupyAmortization, balloons, and the down payment gap between conventional and SBA 504 — worked on a $750,000 property, including what's still owed at year five.Read the guide →
- Startup financing: what's actually available before year twoAn honest map of what a business under two years old can get, what it can't, and how the first $30,000 is priced when there's no trading history to underwrite.Read the guide →
- Merchant cash advances: the most expensive money on this siteA factor rate translated into a real annualized cost, the daily remittance mechanics, the stacking trap, and the narrow cases where an advance still makes sense.Read the guide →
Before you call
Is the advice really free?
Yes. Lenders pay us when a deal funds, so the advice is paid for at the other end of the transaction — there is no invoice from us, ever. Not for the call, not afterwards, and not if you take what you learn and arrange the financing somewhere else. If anyone asks you for an upfront fee to arrange business financing, treat that as a reason to walk away.
Do you pull my credit?
Not for a conversation. Nothing about a fifteen-minute call touches your credit file. A soft or hard pull only happens later, with a lender, with your consent — and you will be told which one it is before it happens.
Are you a lender?
No — Relief Capital is an independent financing consultancy. Lenders lend; we advise. The credit decision, the rate, and the final terms all belong to the lender, and nobody here can promise you an approval. What one desk can do is tell you honestly where you stand and which doors are worth knocking on.
What if I'm not fundable yet?
Then we say so on the call. Hearing “not yet, and here is why” is more useful than being walked into an application that gets declined and leaves a mark behind. You will leave with the specific things to change — time in business, average balances, the score band, the documents — and a realistic sense of when to come back.
Still holding the question you came with?
Call the desk on (561) 915-1002, or email info@reliefcapital.biz and we'll answer in writing.