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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

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.

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

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

FAQs About Working Capital Loans

What is the easiest way to get a working capital loan?

Online lenders typically offer the fastest and simplest process, with fewer documents and funding in as little as 24 hours.

Can I get a working capital loan with bad credit?

Yes, but options may be limited. Expect higher rates or the need for collateral. Merchant cash advances or invoice financing may be more accessible for bad credit borrowers.

How much working capital do I need for a small business?

Working capital needs vary based on monthly expenses. A common benchmark is 1 to 3 months of operating costs as a buffer.

What is the difference between working capital and business credit?

Working capital measures liquidity, and business credit is your borrowing reputation. Both influence your financing options.

Are working capital loans good for startups?

Startups under six months old may struggle to qualify. Consider alternative funding, such as grants, invoice factoring, or equipment leasing if you're a newer company.

Do working capital loans affect my credit score?

Yes, especially if the loan is personally guaranteed or reported to credit bureaus. Late payments can negatively impact scores.

Can I use working capital funding for marketing or hiring?

Yes. Many businesses use these funds for growth initiatives like advertising, new hires, or seasonal expansion.

What are the pros and cons of merchant cash advances?

Pros: Fast access, no fixed payments.
Cons: High cost, daily deductions, potential cash flow strain.

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