Fast Business Funding For Real Business Owners
Excel Capital Funding helps business owners access fast business funding through working capital loans quickly and efficiently, including options for same day business loans and unsecured business loans tailored for small business funding.
Simple Process
Funding in Three Steps
We have removed the friction from business lending. Our process is fast, transparent, and built around your schedule.
Start Your ApplicationSubmit Your Application
Complete our simple online form in minutes. No lengthy paperwork or unnecessary documentation required.
Review Your Offers
Our funding specialists review your business and present tailored capital options within hours.
Get Funded
Accept your offer and receive funds directly in your business bank account — as fast as the same day.
Our Products
Capital Solutions for Every Business Need
Merchant Cash Advance
Access up to $5 million in fast, flexible working capital based on your business's future receivables. No collateral required — approval and funding in as little as 24 hours.
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Line of Credit
Gain access to a revolving line of credit with no minimum time in business and no revenue requirements. Draw funds when you need them and only pay interest on what you use.
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Term Loan
A fixed lump sum repaid over a set period — ideal for planned investments, expansions, or large purchases. Predictable payments from banks, credit unions, or online lenders.
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SBA Loan
Government-backed financing tailored for small businesses — covering startup costs, operations, growth, and real estate. Backed by the federal government for added security and favorable terms.
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Equipment Financing
Acquire essential equipment and machinery without a full upfront payment. The equipment serves as collateral, with the lender purchasing and leasing it back to you over a fixed term.
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Real Estate Loan
Built for investors seeking to acquire, refinance, or leverage income-producing properties. Primarily based on property value and cash flow — ideal for first-time and seasoned investors alike.
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Working Capital
Short-term financing designed to cover day-to-day operational costs — payroll, inventory, and routine expenses. Fast disbursement with concise repayment timelines to address immediate needs.
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AR Financing
Unlock cash tied up in outstanding invoices. Receive an upfront percentage of invoice value while a factoring company handles collections — then receive the remaining balance minus a small fee.
Learn MoreWhy Excel Capital
The Funding Partner Your Business Deserves
Lightning Fast Approvals
Get a decision within hours, not days. Our streamlined review and matching process means you spend less time waiting and more time growing.
Performance-Based Assessment
We look at your real business performance, not just your FICO score. More businesses qualify with our holistic evaluation approach.
Transparent Terms, No Hidden Fees
We connect you with independent funding providers who offer competitive terms, with no hidden fees and complete transparency on every offer from day one.
Repeat Funding Available
Build a lasting capital relationship. Eligible clients can access renewed funding up to four times per year as your business grows.
No Personal Guarantee Required
Protect your personal assets. Many of our funding options don't require a personal guarantee, keeping your finances separate.
Flexible Repayment Terms
We structure repayments around your cash flow cycles. Daily, weekly, or monthly — we work with what makes sense for your business.
Our Story
Built by Business Owners, for Business Owners
Est. 2016
Company
Excel Capital Funding is a Fort Lauderdale-based commercial financing broker specializing in fast, flexible working capital solutions for small and mid-size businesses across the United States. We connect business owners with independent third-party funding providers through a streamlined matching and review process.
Our Purpose
Mission
Our mission is to open more financial doors for business owners across America. We believe your bank statement and business performance should speak louder than a three-digit score. We help connect businesses that traditional lenders turn away with independent funding providers — moving fast, thinking beyond credit, and working to get capital where it belongs.
Our Future
Vision
We envision a world where every viable business has access to the funding it needs to survive disruption and seize opportunity. By combining technology with human expertise, we are building the future of alternative business lending.
What Our Clients Say
Real Stories from Real Businesses
"Excel Capital Funding came through when my bank said no. We had funding in our account within 48 hours. That capital helped us take on two major contracts we would have had to turn down otherwise."
Marcus T.
Construction Contractor
Miami, FL
"The process was fast, transparent, and stress-free. My advisor walked me through every option and never pushed anything on me. I finally feel like I found a funding partner I can trust."
Sofia R.
Restaurant Owner
Fort Lauderdale, FL
"I was skeptical at first, but the team at Excel Capital explained everything clearly. No hidden fees, no surprises. We used the working capital to upgrade our equipment and revenue went up 30%."
David K.
Auto Repair Shop Owner
Orlando, FL
"As a small retailer competing with big chains, cash flow is everything. Excel Capital helped me stock up for the holiday season when I needed it most. I've renewed three times since."
Priya M.
Retail Store Owner
Boca Raton, FL
"Our trucking company hit a rough patch and we needed capital fast. Excel Capital found us a solution within a day. The whole team was professional and actually cared about our situation."
James L.
Trucking Company Owner
Tampa, FL
"I had been turned down by three banks before reaching out to Excel Capital. They didn't just find me funding — they helped me understand my options and set my business up for long-term success."
Anita V.
Salon & Spa Owner
Coral Springs, FL
Ready to Grow Your Business?
Join over 10,000 businesses that trust Excel Capital Funding for their working capital needs.
Get in Touch
We're Here to Help Your Business Thrive
Have questions about funding options? Our team of business lending specialists is ready to walk you through every option and find the best fit.