Business Capital
Over the Counter.

We introduce growing businesses to independent finance companies for $250k–$10M+ equipment financing, sale-leasebacks, and working capital — without the bank runaround.

Check My Eligibility See Lending Parameters

Get a 24-Hour Pre-Qualification

Daily Briefs

Every morning at 10:00 ET: rates, SBA windows, and the lending headlines business owners need.

Read today's brief →

BusinessLoanOTC.com is a referral platform. We are not a lender. All offers subject to lender approval.

$1B+Capital Deployed by Partner Lenders
$250k – $10M+Transaction Sizes
24 HrsInitial Response
A/B/C CreditsCredit Tiers Accepted

How It Works

Three steps from initial inquiry to lender introduction.

1

Apply in 2 Minutes

Share revenue, amount, use of funds, and state. No hard credit pull.

2

15-Min Pre-Qual Call

An FMD advisor reviews your file, answers questions, and matches you to the best-fit lender.

3

Lender Funds the Deal

We package and submit to our lender. They underwrite and fund directly.

Partner Lending Parameters

Representative terms from independent finance companies like AvTech Capital.

$250k – $10M+Deal Size
>$10M RevenueTarget Annual Revenue
A, B & C CreditsCredit Tiers
$1 Buyout / BalloonLease Structures
Sale-LeasebackAvailable Product
Healthcare, Construction, MfgKey Industries

Credit Tier Matrix

Where does your business fit? This determines lender appetite and structure.

Tier A — Strong Credits

Established profitability, clean credit, 3+ yrs financials. Best rates, $1 buyout and balloon options.

Tier B — Good Credits

Solid revenue but lighter history or minor credit issues. Flexible structures, may require additional collateral.

Tier C — Story Credits

Challenged credit or newer businesses with strong cash flow. Higher cost of capital, shorter terms, more equity.

Ready to Skip the Bank Line?

Get matched with a lender that understands growing businesses. No obligation. No application fee.

Start My Pre-Qualification

The Credit Compass

One email every morning. Rates, SBA windows, and lending headlines for business owners.

No spam. Unsubscribe anytime.

Join the conversation

Our private community channels are launching soon. Be first in the room: leave your email below and we will send your invite when the doors open.

Get notified of the launch →