FAQ

  • What is Capital Solutions Bancorp?
    • Capital Solutions Bancorp provides working capital solutions to small- and medium-sized businesses. Our mission is to provide reasonably priced financing options to businesses that are frustrated with the red tape and bureaucratic process of traditional banks.
  • How do I apply?
    • It’s simple. Just give us a call at 1-800-499-6179 or click here to get started.
  • What are the basic funding requirements?
    • To get working capital funding from Capital Solutions Bancorp, your company must:
      • Be a business-to-business” firm as you do business with other businesses, not individuals.
      • Produce more than $1 million in sales each year.
      • Use invoices to get receivables.
  • Are there any businesses Capital Solutions Bancorp cannot fund?
    • There are some businesses Capital Solutions Bancorp cannot fund, including:
      • Companies that sell to individuals as final consumers.
      • Companies that bill medical insurance companies, Medicare or Medicaid.
  • Why choose Capital Solutions Bancorp instead of one of your competitors?
    • Three reasons:
      • No one is more passionate about helping small and mid-sized companies achieve the success they deserve than we are.
      • No one has a higher commitment to personalized service than we do. If you are not thrilled, then we are going to bend over backwards to change that.
      • We make the process of getting the cash you need as fast and as easy as possible.
  • What is the difference between Capital Solutions Bancorp and a traditional bank?
    • When dealing with a bank, the bank decides whether or not to do business with you based on traditional criteria such as:
      • What collateral you have to offer as a guarantee of repayment for any line of credit they may extend to you.
      • Your ability to repay the loan based on your past track record in business and in your personal life.

      For the bank to evaluate this, there is a tremendous amount of paperwork to complete, audits, records to provide and multiple steps to receive an approval — and there is no guarantee that you will be approved. Capital Solutions evaluates whether or not to do business with you based on the credit strength and past performance of your clients, rather than you. In fact, unlike a bank, our criteria can sometimes allow us to finance clients that are undergoing Chapter 11 proceedings.

  • What if I need more money, but I’m not totally convinced yet about signing up with Capital Solutions, what other options do I have?
    • Other than working with Capital Solutions, if you are a small- to medium-sized company in need of additional working capital, these are your options:
      • Going to a bank. This is often a difficult route. Currently banks have very strict guidelines as to how and to whom to lend. They will assign you a credit limit and ask you for as much collateral as they can. Also, however much you borrow will show on your balance sheet as increased “debt”.
      • Bringing in a new partner or merging. A very easy way of increasing your working capital — that is — if you do not mind diluting your ownership in the company and sharing decisions with this new person.
      • Attract venture capital/take your company public. Unless you have a very unique product or system, this is a long shot. If it is, in fact, feasible, it will take 12 to 18 months to see results. Note that it is quite expensive and you will also have to deal with a new and very demanding partner: your majority shareholders.
      • Do nothing. Pass up profits, pass up larger and new clients; pass up a better life style for you and your loved ones. That leaves you on a never-ending treadmill of “collecting from Peter to pay Paul,” hoping that “leaving the profits in the company” will provide enough additional capital to keep on going. If you have growth in mind, that strategy might work at a snail’s pace.
  • I currently have a bank line of credit from my bank. Would that create a conflict with using Capital Solutions?
    • No conflict. You can continue using your bank line of credit as you do today and use Capital Solutions’ money as a cash flow shock absorber, using as much or as little of our funds as you need.

Risk-Free Guarantee

If you are not absolutely delighted with our service within the first 30 days of funding, you can leave and get 100% of your fees refunded to you. NO QUESTIONS ASKED!

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