Your lender has a box.
Your business doesn't fit it.
We know who does.
Every lender funds certain industries, in certain states, at certain ticket sizes, to certain credit. Fall outside any one of those and the answer is no, usually with no explanation and no referral. Capital Sources knows which lenders adapt to a situation like yours, and how to present it so they say yes.
The $10,000 treatment plan was approved by the doctor and declined by the card. The patient who could have paid cash got the credit. The one who needed it walked.
One card, one credit tier. Everyone below it is a case that never converts, and after enough of those the front desk stops offering financing at all.
Your competitor's quote has a monthly payment on it. Yours has a lump sum. The equipment is the same.
The buyer is not comparing machines; they are comparing what it costs this month. Financing offered with the quote wins the order. Financing offered later loses it.
You carry your own customers' paper. It performs. Your bank still calls it a problem.
A performing book of receivables is an asset someone should be lending against, or buying. The right lender sees it that way. Your current one does not.
A straight answer on whether a fit exists. Not a guarantee that one does.
Tell us what you sell or what you need to finance, roughly how much, and where. In the industries we place every week, we can usually tell you quickly whether there is a lender for it. In a specialty situation it takes longer, because the right lender has to be found and asked, and we will tell you that up front rather than guess. No honest intermediary makes guarantees; what you get is the judgment of people who have underwritten, funded and serviced this paper themselves, and who will tell you no if no is the answer.
Four decades on every side of the table: lender, originator, servicerOwner-operated; you deal with the people who decideNo upfront fees to the business; our compensation is disclosed
You sell something customers pay for over time, or you already carry the paper yourself.
- 01Point-of-sale financing for practices, contractors, dealers and retailers, with lenders stacked by credit tier so a decline at one is an approval at the next.
- 02Equipment finance and factoring for vendors selling to businesses, and for businesses whose invoices pay slowly.
- 03In-house receivables: sell the book, borrow against it, or run it better.
You want volume inside your credit box, from merchants who follow the rules.
- 01Pre-screened merchants, complete packages, so your underwriters see files that are ready.
- 02Pledged-asset and warehouse facilities, forward flow, bulk portfolio liquidity.
- 03Merchants who understand the program terms before they sign.
Lenders underwrite by industry. Knowing yours tells us who to call before we know anything else.
Elective medical and dental · Home improvement and home services · Powersports, marine and RV · Memberships, resorts and future service · Consumer goods and direct retail · Business equipment, construction through robotics · Professional services and specialty · Operators financing their own customers. If yours is not here, ask; the list shows where we have history, not the limit of what can be placed.
- Established 2014, Canton, Ohio
- Owner-operated; no committees, no handoffs
- Does not lend its own money; carries no credit risk
- Intermediary, and consultant where separately engaged
The people reading your file have sat in every chair at the table.
Capital Sources was established in 2014 and is owned and run by its leadership, whose experience spans more than four decades in consumer and specialty finance: running a lending branch, leading a national indirect installment lender that funded dealer and practitioner programs, founding an origination platform that served dealers and medical practices nationwide, and serving as senior executives of a multi-state operator carrying a large book of in-house receivables, with responsibility for the systems and servicing beneath it.
That leadership has underwritten the paper, funded it, serviced it, and sat on the operator's side deciding whether to keep it or sell it. The firm does not lend its own money and does not carry credit risk. It acts as an intermediary, and, where separately engaged in writing, as a consultant.
Four steps. No retainer. No introduction until the agreements are in place.
The conversation
A short call. In industries we place regularly, you will usually know quickly whether there is a fit. In a specialty situation we tell you how long finding out will take.
Agreements and information
A mutual NDA and a short engagement letter, then a short list: volume, average ticket, states, current financing, and the financials a lender will ask for anyway. Confidential packages go to the lender directly.
Structure and introduction
We prepare a lender-ready overview, present it to the partners whose credit box it fits, and bring you terms to compare.
Closing and after
We stay through documentation and launch. Once the program is funded, it runs between you and the lender; compliance with the program terms is the lender's and your responsibility, and we remain available if the relationship needs attention.
How we are paid. Where a lender compensates us for a program it funds, that compensation is reflected in the lender's pricing to the business. There are no upfront fees to the business, such as application or processing fees, and we have not seen a lender charge one to date; we work to keep it that way, but cannot promise it for every lender. If you ask whether we are paid by the lender, the answer is yes, and the terms you sign show the pricing in full.
Written for operators and credit officers, not for search engines.
Hypothecation or asset sale: what the choice does to your balance sheet
When to keep the paper and borrow against it, when to sell it outright, and how lenders price each.
For dealersWhat a lender actually looks for in a dealer program
Ticket size, margin, delivery at signing, complaint profile: the factors that get a program approved, and the two that get it declined before anyone reads the financials.
For practicesWhy a single financing card loses you the second-tier patient
A waterfall of lenders by credit tier, and what it does to treatment acceptance in an elective practice.
Tell us what doesn't fit.
What you sell or need to finance, roughly how much, and in which states. Every inquiry is read by the firm's leadership, who tell you plainly whether there is a lender for it, and how long finding out will take.