Private credit · $50K to $25M · US & Canada
Commercial capital, structured for established businesses.
Alvara Capital is a private credit structuring and business development firm. We look at the economics of the business, its revenue, receivables, equipment and contracts, and structure the capital around them. Eight programs, one file, arranged through our lender relationships.
- No application fee
- Soft credit pull to start
- 6+ months in business
- Any credit considered
Decision sheet
Restaurant · Newark, NJ
- Requested
- $85,000
- Approved
- $85,000
- Program
- Term loan · 24 months
- Payment
- $1,038 weekly
- Application received
- Tue 9:41 am
- Decision
- Tue 12:53 pm
Illustrative. Every decision depends on the file.
$50K – $25M
per facility
Hours
for working capital decisions
8 programs
structured from one file
US & Canada
every state, every province but Quebec
Programs
Eight programs. One application.
You do not have to know which one you want. We structure the file across all eight, from same-day working capital to a $25 million asset-based facility, and tell you which fit, and why.
| Program | Best for | Amount | Term | Funding | |
|---|---|---|---|---|---|
| Working capital | Fast capital priced on revenue, any credit | $50K – $2M | 3 – 18 months | Same day | Details |
| Term loan | Planned purchases, predictable payments | $50K – $5M | 1 – 5 years | 24 – 72 hours | Details |
| Line of credit | Draw as you need it, pay for what you use | $50K – $10M | Revolving | 24 hours | Details |
| Receivables & invoice | Open invoices, contracts and purchase orders into cash | $50K – $25M | Revolving | 3 – 7 days | Details |
| Equipment & specialty assets | Machinery, fleets, medical, manufacturing, up to 100% financed | $50K – $25M | 2 – 7 years | 24 – 48 hours | Details |
| Asset-based lending | Established businesses with inventory, equipment or property | $500K – $25M | 1 – 5 years | 2 – 4 weeks | Details |
| SBA 7(a) loan | Lowest cost, longest term, government-backed | $50K – $5M | Up to 10 years | 2 – 6 weeks | Details |
| Bridge loan | A defined gap: an SBA in process, a receivable, a closing | $100K – $25M | 3 – 24 months | 3 – 5 days | Details |
Ranges are typical, not limits. Consolidation, commercial real estate bridge and short-term facilities are also arranged. All programs
Straight talk
Read what the underwriters read.
Most lenders hide how a decision gets made. We publish it. Know what your statements say before you send them.
Bank statements
What an underwriter reads in your statements, in order
Revenue comes last. Four minutes.
ReadPricing
Factor rate vs. APR: the math before you sign
What 1.25 actually costs, with the arithmetic shown.
ReadDeclines
Why business loans get declined
Four reasons, and the one owners fix last.
ReadHow it works
Three steps, usually one day.
- 01
Apply in five minutes
Business and owner details, plus your last four months of bank statements. Your answers save as you go.
- 02
A person reads your file
Not a score. An underwriter reads the statements, receivables and assets, structures the file across eight programs, and calls you with options. Working capital the same day; asset-based, SBA and bridge on a timeline you know up front.
- 03
Choose, sign, funded
Pick the structure that fits. Sign electronically. Funds are wired to the account on your statements, from hours for working capital to weeks for an SBA.
Under 5 minutes. No impact on your credit score. Decisions within hours.
Do you qualify?
Three things. That's the screen.
We finance established businesses with real revenue: identifiable receivables, contracts, assets and cash flow, not an application and a credit score. Meet these and the file gets read by a person.
6+
months in business
$50K+
capital need
4
months of statements
Industries
We know what your statements should look like.
From owners
What it was like.
“Alvara Capital funded my equipment purchase in less than 24 hours. The bank was going to take 6 weeks!”
Michael R.
Summit Builders LLC
“When we needed to renovate our kitchen, Alvara was there with fast funding and flexible payments.”
Sarah L.
Jade Garden Kitchen
“I've renewed with Alvara 3 times now. They understand my business and always come through when I need capital.”
David T.
CrossCountry Freight
“The application was simple and I had money in my account the next day. Highly recommend!”
Jennifer W.
Glow Beauty Spa
“Good experience overall. The funding was fast but the factor rate was a bit higher than I expected. Still, they got us through a tough month.”
Robert K.
Precision Auto Works
“We needed inventory capital fast and Alvara delivered. The process was smooth and our rep was very helpful throughout.”
Angela M.
Pacific Coast Distributors
“Decent funding option for small businesses. The approval was quick but I wish the repayment terms were a bit longer. Would still recommend for urgent needs.”
James P.
Clearpath IT Solutions
“Alvara helped us finance new dental equipment when our bank said no. The whole process took about two days from application to funding.”
Lisa N.
Bright Smile Dental
“Solid funding partner. The daily payments took some getting used to, but the speed of approval made it worth it for our seasonal business.”
Marcus W.
Greenscape Landscaping
“Used the funds to expand into a second location. Alvara made it possible when traditional lenders wouldn't work with us.”
Patricia G.
Bella Vida Salon
“The funding helped us stock up before the holiday rush. Process was straightforward, though I'd appreciate more flexible payment schedules.”
Thomas B.
Harvest Fresh Market
“We needed bridge funding for a big case and Alvara came through quickly. Professional team and clear terms.”
Karen P.
Cornerstone Legal Group
Five minutes now. A real answer today.
No fee to apply, no obligation to accept, and no hard credit pull to get a decision.
Start my application