Clear Terms
Human support
Approvals in as little as 24 hours
One’s for the Money.
Two’s for Your Dreams.
We were built to be your best second and that’s our strength. Because when you're not the obvious choice, you have to earn your spot. You don’t just show up. You show up better.
At Capital Two, we work harder. We move faster. We communicate more clearly and care more deeply. We meet you where you are, whether you're scaling up, filling a short-term gap, or navigating a challenge, and we tailor solutions that make sense for your business, not just any business.
Our team is made up of people who know how tough it is out there. So we’re not here to sell you something you don’t need. We’re here to understand what you do need and help you get it, quickly and transparently.
No one grows a business by playing it safe. You’ve already taken risks. You’ve already pushed through. And if the bank said no, that doesn’t mean you’re not fundable. It means you need a partner who looks deeper and tries harder.
That’s us.
How It Works
Funding in Just 3 Easy Steps
Quick Application
Takes minutes, no credit check required to start.
Personalized Offers
Receive tailored lending options fast.
Rapid Funding
Choose your solution, get capital quickly.
What we offer
The Right Funding, Matched to Your Business
We don’t believe in one-size-fits-all financing. Choose from a variety of funding solutions tailored specifically to your business needs and goals.
Line of Credit
A Line of Credit offers flexible, revolving access to capital you can draw from as needed, making it ideal for managing cash flow, covering payroll, or handling small emergencies.
Merchant Cash Advance
Merchant Cash Advance (MCA) gives you a lump sum of capital, repaid through a percentage of your future sales. It's ideal if your business is strong on revenue but short on time or collateral.
Equipment Financing
Equipment Financing lets you purchase or upgrade the tools, vehicles, or machinery your business needs—without a large upfront payment—by spreading the cost over time.
Invoice Factoring
Invoice Factoring turns your outstanding invoices into immediate working capital by advancing funds now and collecting from your clients later, no new debt required.
Revenue-Based Financing
Revenue-Based Financing gives you capital now, repaid as a percentage of your monthly sales, perfect for businesses with fluctuating income or seasonal peaks.
SBA Loans
SBA Loans are government-backed loans with low rates and long terms, designed for established businesses looking to expand, refinance debt, or make major investments.
Term Loans
Term loans give you predictable, structured financing with a one-time lump sum that you repay in fixed monthly installments.
Asset-Based Lending
Asset-Based Lending (ABL) helps you turn business assets, like accounts receivable, inventory, or equipment, into usable capital.
Revenue-Based Financing
Revenue-Based Financing (RBF) gives you fast access to capital with a repayment structure that aligns with your revenue, not rigid monthly due dates.
Why Us
The Benefits of Choosing Capital Two
Capital Two isn’t just fast. We’re built for business owners who need a partner, not just a lender. We offer transparent terms, real support, and funding solutions designed to meet you where you are and get you where you’re going.
Fast Approvals
You don’t have weeks to wait. We deliver funding decisions in as little as 24 hours, so you can act fast when it counts.
Flexible Solutions
No two businesses are alike. That’s why our financing options are tailored to your needs - not stuck in a template.
Dedicated Support
When you reach out, you get real people. Funding experts who listen, guide, and stick with you from start to funded.
Specialized Focus
We do one thing and that’s business funding. Our laser focus is the reason why we do it better: with insight, precision, and zero distractions.
About Capital Two
Built for Business Owners, by Lending Experts
Capital Two offers small and mid-sized businesses a refreshing alternative to traditional banks. We simplify business funding, provide transparent options, and deliver personal support, helping your business thrive.
Transparent terms, clear communication.
Quick approvals, easy processes.
Tailored funding solutions.
Your goals drive our solutions.
Simple, Fast Funding
With a Human Touch
Get funded quickly with clear terms and genuine support.
Frequently Asked Questions
How fast can I get funding?
Capital Two offers one of the quickest approval processes in the industry. Most applications receive a decision within 24 hours, with funding available as soon as the next business day.
What types of businesses do you work with?
We serve small and mid-sized businesses across industries like construction, retail, healthcare, transportation, ecommerce, and hospitality, with tailored funding for each.
Do you check my credit to apply?
No hard credit check is required to start. Our prequalification process uses a soft inquiry or revenue-based data to match you with suitable loan options—no impact to your score
What makes Capital Two different from a bank?
Unlike banks, we move fast, personalize every offer, and work with businesses traditional lenders may overlook. We focus on fit and outcomes to your benefit.
What funding options do you offer?
We match you with the best option from products like working capital loans, lines of credit, equipment financing, invoice factoring, SBA loans, and more.
Do I need collateral to qualify?
Most Capital Two solutions are unsecured or based on business revenue. If collateral is required, we clearly explain why and help you navigate the terms.
