Debt strategy
Can I refinance out of three stacked cash advances?
Desk answer
Independent business financing consultancy
The Right Financing. One Desk.
Sixteen ways to fund a business, compared at one desk — by people who are paid only when a deal funds.
Relief Capital by the numbers
By the numbers
16
financing options compared
Every request is scored against all sixteen.
50
states served
Relief Capital serves businesses nationwide.
$10K–$5M+
typical request range
Indicative; final terms depend on lender and profile.
$0
cost to you
Lenders pay us on funded deals.
- SBA Specialist
- Equipment Finance
- Working Capital Advisor
- CRE & Bridge
- Credit Analyst
The integrated desk
One desk. Every option on the table.
Ask four lenders and you get four pitches, because each one can only sell what it holds. This desk is not built that way. SBA, equipment, working capital, bridge and commercial real estate all sit at the same table — with a credit analyst who tells you what a lender will see before you apply.
Lenders lend. We compare, and we are paid only when a deal funds.
How it works
Three steps to a real answer.
01
Tell us once
Five minutes about your business, your numbers, and what the money is actually for.
02
We compare sixteen options
Every product on the desk is scored against your file — including the ones that pay us least.
03
You pick with clear numbers
Total cost, term, and payment side by side. You choose, and nobody chases you.
Financing options
Sixteen ways to fund a business.
Start from what the money is for. Each card opens the guide that explains what the option really costs, and when it is the wrong one.
Showing 16 of 16 options
SBA Loans
Business Term Loans
Working Capital Loans
Business Line of Credit
Equipment Financing
Revenue-Based Financing
Asset-Based Lending
Bridge Loans
Franchise Financing
Purchase Order Financing
Business Acquisition Loans
Inventory Financing
Invoice Factoring
Commercial Real Estate Loans
Startup Financing
Merchant Cash Advance
Free advice
Fifteen minutes. Zero obligation.
Lenders pay us when a deal funds. That is the whole reason a call with the desk costs you nothing — and the reason we can afford to tell you when the honest answer is “not yet, and here is what to fix first.”
Community Q&A
Real questions, straight answers.
No forum of strangers guessing. These are questions business owners bring to the desk every week, answered in writing by the people who take the calls.
Guides
Read before you borrow.
Sixteen plain-English guides to what each option costs, who it suits, and where it goes wrong. Written to be useful even if you never call us.
Working capital loans: borrowing for the gap, not for growth
What a working capital loan covers, why the payment schedule matters more than the rate on short money, and the honest test for whether borrowing fixes your cash-flow gap.
Read the guide →
SBA loans: the cheapest money you'll wait the longest for
How the SBA guarantee actually works, which of the six programs fits, what the low payment costs you in time, and when waiting ninety days is the wrong call.
Read the guide →
Business lines of credit: you're paying for access, not for money
How draw-day interest actually adds up, why an undrawn line costs almost nothing, and the discipline that separates a credit line from an expensive term loan.
Read the guide →
Let’s find your financing.
One conversation, sixteen options on the table, and a straight read on where you stand today.