High Card Capital

High Card Capital provides small business funding and loans, including term loans, SBA loans, lines of credit, HELOCs, equipment financing, and revenue-based financing. They offer funding amounts ranging from $5,000 to $25,000,000 with a soft credit pull and options available in as little as 24 hours. Services are designed to support business growth, cash flow management, debt consolidation, and expansion.

The company offers a soft pull on your credit score, which is invisible to your score and costs nothing to check your options. Applying is free, seeing your options is free, and walking away is free. Every cost on an offer is in writing before you sign, every time.

Term loans are best for making a large purchase, investing in growth, or replacing expensive debt. You get one lump sum with one predictable monthly payment, so the cost of the move is known from day one. Funding can hit your account in as little as 24 hours after you accept.

SBA loans feature terms stretching from 10 to 25 years at rates near Prime, backed by a government guarantee. This long runway plus low rates means the smallest monthly payment in small business lending. A minimum FICO of 650 is required, and the process typically takes 1 to 4 weeks.

HELOCs allow you to use up to 90% combined loan to value of your home equity as revolving business capital. You draw what you need, repay, and draw again, paying interest only on what is out. Closings can happen in as fast as 5 days with no appraisal required.

A line of credit lets you draw what you need, repay, and draw again, allowing you to refill the line as you repay. You only pay for what you use, which helps with smoothing out cash flow, covering payroll, and inventory needs. It is designed for seasonal swings and restocking.

Equipment financing is best for buying new or used gear, letting the machine pay for itself, and preserving cash on hand. The process involves a short application and a few statements with no mountains of paperwork. James T. from Construction noted they funded his crew's new gear right before the busy season hit.

Revenue-based financing allows funding in as little as 24 hours with payments that flex with sales. It is designed for growing without perfect credit and is sized to your revenue and the move you are making. Carlos M. from Fort Worth, TX mentioned applying Tuesday and being funded Thursday.

Clients praise the fast decision-making and terms that fit how their jobs actually get paid. Maria R. from Retail noted the team shaped the loan around her slow season instead of forcing her into a box. Devon M. from Automotive got a real decision fast after being turned down twice before.

The company claims to have funded over $100M+ and served 2,000+ businesses. They state they have excellent ratings on Trustpilot. Dana W. from Scottsdale, AZ said the equity was just sitting in the building and is now a second location across town.

The application process takes about two minutes online or over the phone. A real advisor prices your options across their lender network and walks you through them, usually within 24 hours. The process is described as one application, one advisor, start to finish.

The team claims to be available for clients 24/7. They state they are a real partner with one advisor who knows your business start to finish. They also mention they are available to reach out and chart the top choices around your goals if you are feeling lost.

The company believes in problem-solving, being in your corner, playing the long game, and moving with speed and care. They measure success in years of working together, not in closed deals. They also mention they push for the strongest terms your file can earn.

The website states they have a 620 minimum FICO for HELOCs, while SBA loans require a 650 minimum FICO. They also mention that time in business, monthly revenue, and steady deposits count more than a dented score.

The company states they have a 2-minute application and same-day funding options. They also mention they can be reached by phone at (848) 400-5404 and email at info@highcardcapital.com. The website domain is highcardcapital.com.