What We Do
Capital Concierges is a loan advisory firm in the alternative lending industry. We help retail businesses obtain immediate working capital whether that is through a bridge loan, private money, line of credit, Inventory financing, Invoice factoring, franchise financing, selling or placing of consumer or commercial debt receivables, or those who are in need of payment processing for their business.
Our private backed financing is entirely different from any bank or institution you may have attempted to borrow from in the past. You don't need a clean credit history and you don't need any collateral. Even if you do have an excellent credit history and lots of collateral to put down, you're still not guaranteed that banks will lend to you. However, with Capital Concierges, oftentimes, we can get you a business loan regardless of your credit history, collateral, or already existing bank/ non-bank loans. You simply apply below, we review and process your submission, and with several of our loan options, you can receive the necessary funds to achieve your business goals within days. It's as simple as that, you really have nothing to lose but everything to gain!
Managing Partner, Co-Founder
As the Managing Partner, Co-Founder, and Sr. Loan Advisor of Capital Concierges, Thomas Murphy is on a lifelong mission to impart fellow businesspeople with top-tier business capital at the best rate to ensure their companies thrive in the long-run. Above all, he is a firm believer in helping people in any way that he can.
Thomas is a seasoned financial professional, chief executive partner, and serial entrepreneur whose integrity-driven approach and diverse aptitude have earned him the reputation as an industry leader in his community. Over the course of 30 years plus, he has garnered extensive knowledge in the financial services space. In addition to strategic leadership, he is well-versed in negotiation, business planning, sales, team building, entrepreneurship, and management. To date, he has established a multitude of lucrative businesses.
Whether you are retail furniture, bedding, appliance, or rent-to-own dealer, Thomas and his decided team of experts are here to provide you their client-centered services, specially tailored to your unique set of needs. Feel free to reach out to Thomas directly with any of your inquiries!
Thomas Murphy Linkedin
CONSUMER DEBT/AR MANAGEMENT
IN-STORE RETAIL FINANCING
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Let us ease your concerns
Below will explain the process of integrating an existing merchant account
Step 1: Request a VAR Sheet
Call your merchant account provider ask for a VAR Sheet. What is a Var sheet?
Step 2: Pass on that VAR Sheet to an additional gateway provider
This will not affect your existing merchant account. It will just add a streamlined way to connect your merchant account to third party gateway
Before contacting support, please browse our FAQ Knowledge Base, you might just find the solution you're looking for.
What can Capital Concierges do for my business?
We offer an alternative to standard bank loans. New businesses and sometimes older businesses need the ability to receive funds quickly, easily and in most cases without perfect credit. We make cash advances quick and hassle-free.
How can I use the money?
We do not determine the use of the funds you receive, that is up to you. Our funding policies do not include a section for money usage purposes.
How does it work?
Capital Capcierges has a simple application process. The reason we are able to provide funds to businesses that have less than perfect credit is how we process our advancements. Just answer a few questions, and one of our agents will contact you for a free consultation. Your personal consultant will determine the factor rate and the amount of your loan. Once you agree to the terms, your advanced amount will be directly deposited into your bank account within minutes. Capital Concierges is then repaid by the agreed amount between you and Capital Concierges daily from your business banking account.
Will I qualify if I have bad credit?
Given our repayment process and how we qualify your business for a funding amount, we can work with most businesses regardless of credit score.
How long will it take to find out if I am approved?
Once the application and documentation are received, an approval notice takes about 4 hours.
How much can I qualify for?
We will look at your total sales for the last 120 days and make a determination that is generally between 100% and 300% of your average monthly sales.
How quickly can I get the money?
Once approved, you will receive the funded amount within minutes.
Is there any prepayment penalty for paying back the advance early?
No. There is no penalty for early payoff. You can repay your advanced funds anytime you wish.
I already have a cash advance with another company, can I still apply?
Yes, it is possible we can pay off your current loan and give you the remainder of your available funded amount.
Who can answer my questions, or help me start the funding process?'
Fill out our quick form above or contact us directly and one of our representatives will be happy to assist you.
What Is A Hard Money Loan?
Simply put, hard money is a short-term loan. These loans are provided by individual investors or groups of investors to real estate investors.
Primarily used for property acquisition, development or expansion, hard money loans have six-month duration.
How Much Loan Amount Can Be Borrowed?
Generally speaking, hard money loans come in varying sizes. What’s more important is that collateral is the most important aspect of hard money lending. Hard money loans are based on collateral. Therefore, the amount of loan you can borrow will depend on the value of your real estate property (collateral). As long as the collateral value is sufficient enough, you can get the loan.
What Rates Can You Expect on A Hard Money Loan?
While hard money loans vary among lenders, they are higher than bank rates. This is primarily because of the higher risk and shorter time duration of the loan.
In most cases, hard money rates may range from 10 to 15 percent. However, rates differ from one lender to another lender. Hard money loan repayment includes monthly installments and a balloon payment, which is due at the loan term.
Types Of Properties Financed With A Hard Money Loan
A hard money loan can be used to purchase, renovate or improve all types of properties, including but not limited to:
Hard money lending companies typically provide funding for different types of properties.
What is Invoice Factoring? Does my business qualify?
Invoice factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third-party at a discount.
SBA Loans – Know About the Best Financing for You
Have you ever heard about the SBA Loans?
Okay, let’s have a quick tour what the matter is all about. It can help you in availing the loan and may give you the solution which you are looking for.
How do you qualify for an SBA loan?
More than likely, you'll need an excellent credit score as well as good personal credit to qualify for an SBA loan or traditional loan from a bank; this will depend on the individual lender and business factors such as your revenue, cash flow and time in business.