Our Capital Markets service is perfect for competitive bids, price shopping, and extracting the best offer available.
At Capital Desk, we help companies source, structure, and secure capital by running a disciplined, competitive go-to-market process across commercial lending institutions. Rather than forcing you into a one-size-fits-all product, we structure each deal around your specific balance sheet, cash flow dynamics, timing constraints, and risk tolerance. Unlike dealing with a single lender, and being beholden to their “captive underwriting”, our objective is to extract the best deal from the market for you. We accomplish this by positioning you in the best possible light, creating lender competition, and negotiating terms—not just price, but covenants, guarantees, flexibility, and future optionality. We don’t charge our clients fees; we’re compensated by lenders, which keeps incentives aligned around getting a deal done that actually works. We strongly prefer engagements where you already have an offer in hand, as that gives us a concrete baseline to improve terms, structure, or execution with speed and precision.
Our platform was designed with speed in mind, and our process is fast, efficient, and streamlined. We stress test offers to early to ensure a high degree of certainty that the transaction will close. This prevents clients from going down capital roads that lead to nowhere. We deploy a four-step process:
- Source: Through a network of 40+, strategically aligned commercial institutions, we help source 2-3 firm offers. We are NOT a marketplace and we do not send your information to dozens of lenders.
- Structure: We structure the deal based on a multitude of factors like assets on your balance sheet, existing capital stack, sales history, cash flow, owner credit, flexibility, and borrower protections.
- Secure: We help clients through the closing process, with Done-For-You (DFY) underwriting narratives and foreseeing potential deal killers to avoid.
- Syndicate: To avoid moral hazard, we invest in every transaction. In this regard, we act as an independent sponsor. Only in very limited instances do we do the lending directly.
Due to volume, we cannot help everyone. We kindly ask that you read through these FAQs before reaching out.
The Capital Desk is a a commercial credit platform built for companies with $5M-$100M in annual sales. We are laser focused on commercial capital only, against assets like receivables, purchase orders, inventory, and future cash flow. Through a network of strategically aligned commercial institutions, we help companies structure, source, and secure the funds they need. We offer an array of asset-based and sales-based financing solutions including business lines of credit (BLOC), receivables factoring, purchase order financing, and inventory lines of credit and loans.
For asset based financing you can get up to 80-95% of your receivables, 60-75% of your purchase orders, and 50-65% of your inventory and raw goods balances. For sales based financing transactions, companies can obtain 5-15% of their trailing 12 months sales. This continuum of funding size is based on industry, cash flow cycle and history, profitability, owner credit score, and most recently filed tax return, among other factors.
For asset based financing deals, 5-15 business days. For sales based financing deals, 1-3 days, maybe longer depending on complexity. All deals move at the pace of the company seeking the capital.
Asset based financing deals like lines of credit tend to be more secure and also usually require a personal guarantee. Because of these added protections for the funder, they tend to be lower priced than sales financing, which almost never have a personal guarantee. Instead, sales based financing have validity guarantees (to protect against fraud), performance guarantees (to protect against nonfeasance) , and bad boy guarantees (to protect against malfeasance). But if the business has a slowdown and cannot make payment, resulting in an the inability to pay, the company representative who signed the deal is usually ok (please see our disclaimers).
Soft pull only. It won’t appear on your credit score, because our platform does a soft credit check with Experian.
There is a variety of repayment structures available for asset based financing deals. For sales base financing deals, they are based on sales history and may or may not be structured like a loan. Often times, SBF deals have weekly or bi weekly, or bi monthly payments built into them, withdrawn via ACH from the companies bank account (Except in certain States that prohibit it. Please see our disclaimer).