Our alternative approach to financing allows us to support small businesses that other lenders overlook — regardless of your size or industry. We lend flexible, patient capital and tailor financial solutions to meet entrepreneurs where they’re at.

Loan Type	Available Capital	Interest Rate	Loan Term	Fees
Microloans	$5,000 to $50,000	Prime rate + 4%-6%	Up to 5 years	• Origination fee 5%* • $15/month admin fee • Collateral fees
Small Business Loans	$50,000 to $350,000	Prime rate + 4%-6%	Up to 7 years	• Origination fee 5%* • $15/month admin fee • Collateral fees
Revenue-Based Financing	$100,000 to $500,000	• 3 years: 1.3X multiple • 4 years: 1.4X multiple • 5 years: 1.5X multiple	Up to 5 years	• Origination fee 5%* • Monthly payment up to 10% of revenue • Collateral fees

*An origination fee is a one-time charge that covers the costs of processing a loan application.

Requirements for all AltCap Loans

Personal Documentation

• Valid photo identification (each signer)
• Personal tax returns, all schedules (1 year for loans under $25,000 and 2 years for loans over $25,000)
• Personal bank statements
• Personal financial statement
• Personal household cash flow calculator

Business Documentation

• Signed loan application, including other guarantors or owners
• Business plan (businesses under 2 years old)
• Financial projections (businesses under 2 years old)
• Profit and loss statements, last year and year-to-date (businesses over 1 year old)
• Balance sheet, last year and year-to-date
• Business debt schedule
• Business bank statements

Financial Documentation

• Business tax returns, all schedules (1 year for loans under $25,000 and 2 years for loans over $25,000)
• Sources and uses of funds

For Revenue-Based Loans

• Three years of financial projections
• Last 3 years of business tax returns, including all schedules
• Last 3 years of financial statements
• Business Debt Schedule
• Last 6 months of business bank statements