Frequently Asked
Questions

Custom Capital Advisors offers a variety of financing solutions tailored to the needs of small and mid-sized businesses, including Small Business Loans, Revenue Advances, Lines of Credit, Equipment Financing, and Term Loans. Every product is structured around your specific business, not a one-size-fits-all template.

Most lenders we work with look for at least six months in operation, around $150,000 in annual gross revenue, and a FICO score in the mid-500s or above. These are typical starting points rather than hard cut-offs, and we look at your complete business picture before deciding which lenders to approach.

We arrange financing from $50,000 up to $5 million depending on the product, with equipment and asset-backed structures sitting at the higher end. The exact amount available to you depends on your revenue, time in operation, and overall financial profile.

The amount depends on your monthly revenue, time in business, credit profile, and overall financial health. Speak with a Capital Advisor who can review your situation and walk you through the options that fit it.

Lenders can return a credit decision in as little as 4 hours once your application and required documents are in, and funds are typically deposited within 24 hours of you accepting an offer. Timelines vary by product and by lender.

Speed and fit. Working through us, a credit decision can come back in as little as 4 hours and funding as fast as 24 hours after acceptance, where a conventional bank process can run to three months. We also keep the paperwork light, and because we are a brokerage we can take your file to the lender most likely to fit it rather than to a single institution.

It depends on the lender. Some report to business credit bureaus and some do not, and we will tell you which applies before you sign anything. A clean repayment record still matters, because it is what we take back to lenders when you need capital again.

Yes. Acquisition financing is one of the situations we work on, whether you are buying a competitor, a supplier, or the business you currently work in. The right structure depends on the deal, the seller's terms, and the financial picture of the business being acquired, so it is worth talking through early rather than after you are under contract.

Often yes, and it depends on what you already carry. If your existing obligations are manageable, additional financing may well be workable. If your business is already carrying several active advances, adding another on top is usually the wrong move and we will say so. In that situation the conversation to have is about restructuring what exists, not stacking on top of it.

Yes. Each entity is assessed on its own, so lenders will look at them separately and may come back with separate offers, provided each one stands up independently.

Yes, provided the accounts sit under the same Employer Identification Number (EIN).

Generally no. Lenders qualify your business on its overall health rather than on a single purchase, so once funded you can put the capital toward payroll, inventory, equipment, marketing, expansion, or anything else the business legitimately needs. A few products are narrower: equipment financing is tied to the equipment, and factoring is tied to specific invoices.

No. Your data is never sold or shared with third parties for solicitation purposes. When you work with Custom Capital Advisors, your file is handled exclusively by our team. You will only ever hear from us, not a network of competing lenders flooding your inbox and phone.

Custom Capital Advisors is a business financing advisory firm that helps small and mid-sized companies find and structure the right capital for what they are actually trying to do. We work with owners across manufacturing, healthcare, commercial construction, retail, wholesale, and restaurants, typically on working capital, equipment, receivables, acquisition, and expansion needs. The firm is built around one idea: listen first, then find the best financing available for that specific business, even when the honest answer is that now is not the right time to borrow.

No. We are not a bank or a direct lender, and we do not fund transactions with our own capital. We are an advisory firm and broker. We review your situation, structure the request, and bring it to a network of vetted funding partners, then help you compare what comes back. Every credit decision is made by the funding partner, after they review your documents.

Three things. We diagnose, which means understanding the business, the cash cycle, and the real reason capital is needed before recommending anything. We structure, which means matching the need to the right product (working capital, a term loan, a line of credit, equipment financing, receivables financing, or something else) rather than pushing whatever is easiest to place. And we manage the process, which means preparing the file, handling the back and forth with funding partners, and translating offers into plain language so you can compare them on cost and fit rather than on sales pressure.

A marketplace distributes your application widely and lets volume sort it out. We do the opposite. We look at the business first, decide which two or three funding partners are genuinely a fit, and take it to them deliberately. You get one advisor who knows your file rather than a queue of callers who do not. We will also tell you when the product you asked about is the wrong one for your situation, which is the part of the job a volume model has no reason to do.

Custom Capital Advisors serves businesses across the United States and works remotely with owners by phone, email, and video. There is no branch to visit and no geographic restriction on who we can help. The practical requirement is a US-based business with a real operating history, not a location.

Start on the contact page or the capital consulting page, and a Capital Advisor will follow up to understand the situation before anything is submitted anywhere. The first conversation costs nothing and carries no obligation. Bring the question you actually have, even if it is "should we be borrowing at all right now."