CapitalX product mix
CapitalX Funding offers six commercial funding products designed around how businesses actually run. Compare them side by side, see what you qualify for, and get capital that moves with your business.
At a glance
Side-by-side look at the six CapitalX products. Each range blends our lending programs — the lowest minimums and highest maximums we can place. A great talking point for walking a business owner to the right fit.
| Working Capital Loan | Revenue Advance | Card Sales Advance | Line of Credit | Equipment Financing | Long-Term Loan | |
|---|---|---|---|---|---|---|
| Funding range | $25k – $600k | $5k – $300k | $5k – $600k | $5k – $300k | To $10M | To $10M |
| Term | 6–24 mo | 6–18 mo | 3–24 mo | 3–24 mo | Asset life | To 120 mo |
| Time in business | 6+ months | 2+ years | 6 mo – 2 yrs | 6+ months | 1+ year | 2+ years |
| Revenue bar | $15,000+/mo | $10,000+ deposits | $10,000+ deposits | $15,000+/mo | Varies | $15,000+/mo |
| Speed | Decision in ~2 hrs | Pre-qual in hours | Pre-qual in hours | Funds in 24 hrs | Fast approval | Standard underwriting |
| Repayment | Daily/weekly auto-pay | Daily/weekly debit | % of card sales | Monthly on draws | Monthly | Monthly |
| Flexes with revenue | — | ✓ | ✓ | — | — | — |
| Best for | Immediate cash needs | Steady deposits | Card-heavy sales | Recurring needs | Equipment | Major investments |
The lineup
Every CapitalX product runs through one application and one broker — us. No shopping your deal around.
$25,000 – $600,000 · 6–24 months
Best for: Cash flow stabilization and immediate business needs
$5,000 – $300,000 · 6–18 months
Best for: Businesses with steady bank deposits
$5,000 – $600,000 · 3–24 months
Best for: Retail, restaurant, and service businesses with card sales
$5,000 – $300,000 · 3–24 months
Best for: Recurring or unpredictable cash needs
Up to $10,000,000 · Tied to asset life
Best for: Equipment purchase, repair, or replacement
Up to $10,000,000 · Up to 120 months
Best for: Established businesses planning major investments
Qualifications
General guidelines across the CapitalX product line. Every business is evaluated individually.
Guidelines are indicative and subject to full underwriting. CapitalX Funding is a commercial financing broker, not a lender. All funding decisions are made by our lending partners. This page is for informational purposes only and does not constitute an offer of credit.
How it works
One-page application plus recent bank or processing statements. No tax returns or collateral required for most products.
We match your business profile to the right CapitalX product — often within hours.
Capital deposited directly to your business account, typically within days.
Revenue-based products scale with your sales. Term products offer predictable schedules.
Download our one-pagers to review with your team or accountant.
Start with the CapitalX Ready assessment or jump straight to the application.