the process
Get Funded In 3 Simple Steps
We've removed the complexity from business lending. Here's how we get capital into your hands, quickly and with confidence.
Our Mission
Making Education Accessible and Meaningful
Every program is shaped to meet you where you are, and help you reach where you want to go.
Fund Every Ambition
Too many great businesses never reach their potential because funding feels out of reach. We built Choice Capital to change that, giving every business owner a real shot at the capital they need to grow, hire, and scale with confidence.
Move at the Speed of Business
Traditional banks weren't built for the pace of modern business. We are. From application to funded in as little as 24 hours, because when opportunity knocks, you shouldn't have to wait three weeks for an answer.
Transparency in Everything
No hidden fees. No confusing terms. No pressure. We believe you deserve to fully understand what you're agreeing to before you sign anything, and a dedicated advisor who gives you straight answers every step of the way.
Transparent, Competitive Rates
We believe capital shouldn't come in the way of you scaling your business which is why we secure the most favorable rates and terms for your situation.
Dedicated Advisor
One point of contact from application to getting funded, a real person who knows your file and answers your calls.
Built For Long-Term Relationships
We're here beyond closing. As your business grows, we grow with you to meet your next funding need.
Funding That Fits Your Business
We work with businesses at all stages, our wide array of funding products ensure, no matter what your current state is, we have a solution for you.
We close deals in an average of 72 hours.
FAQs
Frequently Asked Questions
Answers to the things learners ask most. If you’re unsure, start here.
How do I know which loan product is right for my business?
That's exactly what our advisors are here for. When you apply, a dedicated Choice Capital specialist will review your business needs, revenue, and goals, then recommend the product that genuinely fits. You're never pushed into something that doesn't make sense.
How long does my business need to have been operating to qualify?
Most of our products require a minimum of 6 months in business. SBA loans and commercial real estate loans typically require 2+ years. If you're newer to business, speak with an advisor, there may still be options available to you.
How long does the application take?
Our online application takes most business owners under 10 minutes to complete. No branch visits, no lengthy paperwork, just the basics to get started.
What documents will I need to apply?
For most products, you'll need a valid government-issued ID, 3 months of recent business bank statements, and basic business information. Larger loans, like SBA and real estate products require more documentation. Your advisor will give you a clear checklist upfront.
Will applying affect my credit score?
Our initial review uses a soft credit pull, which does not affect your credit score. A hard pull may be required at a later stage for certain products, and your advisor will always notify you before that happens.
