Capital for specific situations
Specialty Capital Holdings is a direct lender that funds established businesses with its own balance sheet, structuring each facility around the situation in front of it rather than a template.
No cost and no obligation to apply.
Solutions
Every product here is funded directly by us and structured to how your business actually operates.
Draw what you need and pay interest only on the balance you use, a standing reserve for payroll, inventory, or timing gaps.
Learn more →Finance the machines, vehicles, and systems your operation runs on, with the equipment itself helping to secure the facility.
Learn more →A fixed sum with predictable payments, structured for expansion, buildout, or a defined investment.
Learn more →Convert outstanding invoices into working capital now instead of waiting on your customers' payment terms.
Learn more →Longer amortization and competitive structures for qualifying businesses, guided through the process end to end.
Learn more →How it works
Three steps, handled by the team that holds the capital.
Share your business basics and recent bank statements through our secure application.
Our underwriters build a facility around your revenue, collateral, and intended use of funds.
Review the written terms, sign, and receive capital directly from Specialty Capital Holdings.
Five ways to put capital to work
Standard capital fits standard businesses. We fund the rest.
Why direct
Questions
Yes. We fund from our own capital and underwrite in-house, so your application is never routed to a network of outside lenders.
It means we structure financing for situations a standard product grid does not fit, including seasonal revenue, asset-heavy operations, and complex ownership.
Business details and a few recent bank statements are enough to begin. Pre-qualification uses a soft inquiry that does not affect your credit score.
We use it to evaluate and service your financing, and mobile opt-in data is never shared with third parties for marketing. See our Privacy Policy and SMS Terms.
Yes. We use reasonable administrative, technical, and physical safeguards to protect your information, and we never sell your personal data. See our Privacy Policy for details.