Business Capital
Funded Fast.
Structured Right.
Martimus Financial delivers $10K–$10M+ in working capital, equipment financing, and commercial real estate loans — with same-day pre-approvals and no long waits.
Capital Programs Built for Business
Whether you need fast working capital, equipment, or real estate — we have a program designed for your exact situation.
Merchant Cash Advance
Fast capital based on your daily revenue. No fixed monthly payments — repay as you earn. Ideal for businesses with strong sales volume.
Business Term Loans
Fixed-rate loans with predictable monthly payments. Build credit, fund growth, or cover major expenses with structured repayment terms.
Business Line of Credit
Revolving credit available when you need it. Draw only what you use, repay, and draw again. Perfect for managing cash flow and seasonal gaps.
Equipment Financing
Finance trucks, machinery, technology, and more. The equipment itself serves as collateral — no additional assets required. Low rates, long terms.
Commercial Real Estate
Purchase, refinance, or cash-out equity from commercial properties. Owner-occupied or investment. Fast closings, competitive rates.
Invoice Factoring
Convert outstanding invoices into immediate cash. Stop waiting 30–90 days for clients to pay. Get up to 90% of invoice value within 24 hours.
We Fund Businesses Banks Won’t Touch
Traditional banks reject 80% of small business loan applications. We say yes where they say no — with speed, transparency, and real advisory support.
Direct Lender Network
Access to 50+ funding sources means we find the best terms for your specific situation — not just what one bank offers.
Dedicated Funding Advisor
A real human advisor — not a call center — guides you from application through funding and beyond.
Transparent Process
No hidden fees, no surprise terms. Every offer is explained line-by-line before you sign anything.
Repeat Funding Programs
Many of our clients return for additional funding as their business grows. We build long-term capital relationships — not one-time transactions.
From Application to Funded in 3 Steps
We’ve removed every obstacle from the funding process. Here’s exactly what happens when you apply.
Apply Online in Minutes
Complete our secure 2-minute application. No business plan, no lengthy documents required to start. Just the basics about you and your business.
⏱ 2 minutesGet Pre-Approved
Your dedicated advisor reviews your profile and matches you with the best available programs. Receive funding offers within 2–4 hours with clear terms.
⏱ 2–4 hoursReceive Your Capital
Sign your agreement digitally. Funds are deposited directly to your business bank account — often the same day you’re approved.
⏱ Same-day to 48hrsFunding for Every Industry
From contractors to clinics, trucking to tech — we fund the businesses that keep America running.
Real Businesses. Real Results.
We needed $250K to purchase a second truck and expand our fleet. Martimus had us funded in 36 hours. Other lenders quoted us 3–4 weeks. This is how business lending should work.
My bank had been stringing me along for months. Martimus approved me for a $150K line of credit within a day. My advisor walked me through every option. Completely transparent.
Equipment financing for a $400K CNC machine. Martimus structured the deal so the monthly payment fit our cash flow. We’ve renewed twice. These guys are a real partner, not just a lender.
Your Business Capital Is Waiting
Apply in 2 minutes. Get pre-approved today. No cost, no obligation.
Do You Qualify? Here’s What We Look For:
🔒 No impact to your credit score
Martimus Financial vs. Traditional Options
See why businesses across the U.S. choose Martimus Financial over going directly to a bank or the SBA.
| Martimus Financial | Traditional Bank | SBA Loan | |
|---|---|---|---|
| Approval Time | 2–4 Hours | 2–8 Weeks | 60–90 Days |
| Funding Speed | Same Day – 48hrs | 1–4 Weeks | 60–90 Days |
| Min. Credit Score | 500+ | 680–720+ | 650+ |
| Collateral Required | Not Always | Usually | Usually |
| Approval Rate | 92%* | ~20% | ~50% |
| Application Process | 2 Minutes Online | Days of Paperwork | Extensive |
| Cost to Apply | Free | App Fees Possible | Fees Apply |
* Approval rate applies to qualified applicants meeting minimum program requirements. Not a guarantee of funding. Approval subject to lender review.