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Capital Loan Specialist Review
In a nutshell: Capital Loan Specialist (CLS) is a U.S.-based business‑loan marketplace for established small businesses. It offers a quick online intake form, decisions in as little as 4 hours, and funding in as little as 24 hours, depending on the lender and product. CLS offers access to multiple financing types, including SBA, term, equipment, merchant, and short-term options, as well as lines of credit, with funding available up to $ 5 million. Actual pricing and timelines vary by lender.
Capital Loan Specialist Review
In a nutshell: Capital Loan Specialist (CLS) is a U.S.-based business‑loan marketplace for established small businesses. It offers a quick online intake form, decisions in as little as 4 hours, and funding in as little as 24 hours, depending on the lender and product. CLS offers access to multiple financing types, including SBA, term, equipment, merchant, and short-term options, as well as lines of credit, with funding available up to $ 5 million. Actual pricing and timelines vary by lender.
Capital Loan Specialist Review
In a nutshell: Capital Loan Specialist (CLS) is a U.S.-based business‑loan marketplace for established small businesses. It offers a quick online intake form, decisions in as little as 4 hours, and funding in as little as 24 hours, depending on the lender and product. CLS offers access to multiple financing types, including SBA, term, equipment, merchant, and short-term options, as well as lines of credit, with funding available up to $ 5 million. Actual pricing and timelines vary by lender.
Overview
CLS acts as an intermediary rather than a direct lender. Its Advertising Disclosure explains that the platform connects applicants with external funding partners (referencing Lead Velocity). The site lists U.S. contact details in West Palm Beach, Florida, and provides email and web‑form support. Eligibility criteria and speed claims are published on CLS’s application site; details may change by partner and product.
Pros & Cons
Pros
- Fast decisions (as little as 4 hours) and potential next‑day funding
- Multiple loan categories via one application
- Intermediary model may help match different profiles across lenders
Cons
Loan Products & Services
CLS indicates access to the following categories (availability varies by lender):
- Business line of credit
- Term loans
- Equipment financing
- SBA loans
- Merchant financing/cash advances
- Short‑term working‑capital loans
Eligibility & Qualification
Published baseline criteria on the CLS application site:
- Time in business: 2+ years
- Annual revenue: $250,000+
- Credit score: 650+
- Location: U.S.-based business
- Banking: Business bank account
CLS indicates it does not provide startup loans. Individual lender requirements may differ.
Application Process & Turnaround
- Submit the online form with basic business and revenue details.
- CLS routes your profile to its network and returns potential options.
- Review lender terms (amount, pricing, fees, collateral, and repayment).
- Receive funds. Some products may fund in ~24 hours after approval. SBA timelines are typically longer. All timelines are case‑dependent.
Customer Support & Experience
- Support channels: Email and web form
- Contact email: mark@capitalloanspecialist.com
- Address: 515 N Flagler Dr., Suite P‑300, West Palm Beach, FL 33401
Bottom Line
CLS can be a practical referral route for established U.S. businesses that require working capital quickly, with access to multiple product types and funding of up to $ 5 million. Because pricing and underwriting vary by partner, compare multiple offers, confirm whether the credit inquiry will be soft or hard, and request standardized cost disclosures so you understand the total cost of financing before committing.
AI was utilized in the creation of this content, alongside human validation and proofreading.
PROS
- Fast decisions (as little as 4 hours) and potential next‑day funding
- Multiple loan categories via one application
- Intermediary model may help match different profiles across lenders
CONS
- Rates, fees, and terms are not shown upfront; they vary by lender
- Not suitable for startups (2+ years in business and $250k+ annual revenue stated)
Top 3 Lenders
Capital Loans at a Glance
8.0Editorial Score
Loan terms
8.0
Based on the limited information offered, it appears it offers competitive rates and multiple loan term options across partners
Application process
10
Application process is streamlined, typically online, and can be completed in a few minutes
Eligibility requirements
7.0
Almost no information offered on minimum eligibility requirements
Additional benefits
8.0
Access to financial advisors or loan specialists is available, but limited to initial consultations. Educational materials are provided, along with benefits for repeat borrowers, including moderate discounts and basic financial tools
Customer service and support
7.0
Support is available during business hours, with limited access on weekends or evenings, and a few contact methods; responses can be slow
Frequently asked questions about merchant cash advances
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