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

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