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Business Loans Line of Credit SBA Reviews Articles

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

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

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)

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.

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FAQs About Business Loans

How long does approval take for business loans?

SBA loans may take 60 to 90 days to process, whereas online business lenders can provide funding in 24 to 48 hours.

Can I consolidate business loans?

Yes, using a business consolidation loan or line of credit can simplify payments and reduce APR.

Where can I get a business loan fast?

Look to reputable online lenders, peer-to-peer platforms, or aggregator tools offering quick approvals.

What’s APR vs interest rate?

APR includes interest plus fees over a year in order to reflect the total borrowing cost.

Can veterans or women business owners get special loans?

Specialized loans from the SBA and community-based lenders provide funding for veterans and women-owned companies.

How can I qualify for start-up loans for a business with no revenue?

Apply for business loans that require a personal guarantee. This means you put your personal credit and finances on the line, but it increases your chances of getting funding without business revenue.

Can I get a no-doc business loan or a no-credit-check loan?

Options exist via merchant cash advances or factoring, but APRs are high, and terms may be strict.

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