Obtiens Capital
(833) 3-OBTIENS

Working Capital in 24 Hours.
Not 24 Days.

Your bank takes weeks, asks for everything, and still says no. We search 100+ lenders to find you the right deal — with pre-approval as fast as one business day.

  • $25K to $5M+ available
  • No hard credit pull to get pre-approved
  • Approved even if your bank said no
  • A dedicated broker — not a call centre

Get Pre-Approved Today

No obligation. No hard credit pull. Takes 60 seconds.

No hard credit pull. Your information is secure.

100+

Lenders in Our Network

$500M+

Available Capital

24 hrs

Fastest Closing

Your business doesn't stop because your bank is slow.

Payroll is due. A supplier wants payment. A contract lands that could change your year — but you need capital to take it on.

You call your bank. They want three years of financials, two weeks of underwriting, and a meeting that could have been an email. Then they say no.

That's the gap we close.

Why Business Owners Choose Obtiens Capital

Speed That Matches Your Urgency

Pre-approval in as little as 24 hours. Not weeks. Not "we'll get back to you." Actual decisions, actual speed.

100+ Lenders. One Search.

Your broker shops 100+ lenders to find the best rate and terms for your situation. You don't have to compare — that's what we do.

Denied Elsewhere? Start Here.

Banks have rigid criteria. Our network includes alternative and private lenders who look at the full picture — revenue, industry, potential — not just a credit score.

How It Works

1

Tell Us What You Need

60-second form. No documents yet. No hard credit pull. Just the basics so we can match you.

2

We Find the Right Lender

Your dedicated broker searches 100+ lenders to find the best rate and terms for your specific situation.

3

Get Funded

Review your options. Pick what works. Receive capital — in as little as 24 hours.

Need Capital This Week?

Get pre-approved with no obligation and no hard credit pull.

Financing Options We Match You To

We don't push one product. We find the right fit from multiple options.

Working Capital Line of Credit

Secured or unsecured. Draw what you need, when you need it. Only pay interest on what you use. Ideal for ongoing cash flow management.

SBA 7(a) Loans

Government-backed. Competitive rates. Longer terms. Can combine with real estate or acquisition financing. Best for established businesses.

Invoice Factoring

Turn unpaid invoices into immediate cash. No high credit score required. Get funded based on your receivables, not your credit history.

Put Working Capital to Work

Cover Cash Flow Gaps

Bridge the gap between paying suppliers and collecting from customers.

Seize Growth Opportunities

Take on bigger contracts, expand locations, or launch new product lines while the opportunity is hot.

Manage Payroll & Overhead

Keep your team paid and operations running during slow seasons or unexpected downturns.

Seasonal Inventory

Stock up before peak season or lock in bulk purchase discounts when they're available.

Questions Business Owners Ask

How quickly can I get funded?

Our fastest closings happen in 24 hours. Most businesses receive funding within 3-7 business days depending on the loan type and documentation required. SBA loans take longer (30-60 days) but come with better rates and terms. Your broker will give you a realistic timeline upfront.

My bank already turned me down. Can you still help?

That's exactly why we exist. Banks have rigid criteria. Our network of 100+ lenders includes alternative and private lenders who evaluate the full picture — your revenue, your industry, your potential — not just a credit score. Many of our clients come to us after a bank denial.

Will applying hurt my credit score?

No. Pre-approval uses a soft credit check, which does not impact your score. A hard pull only happens if you choose to move forward with a specific lender and loan offer — and only with your permission.

How much does working capital financing cost?

Costs vary by lender, loan type, and your business profile. That's why working with a broker matters — we compare options across our entire network to find the most favourable terms for you. Pre-approval is free, so you can see your real numbers before committing to anything.

Why use a broker instead of going to a lender directly?

A single lender gives you one option — theirs. We search 100+ lenders to find the best rate, terms, and structure for your specific situation. It costs you nothing extra and saves you from shopping around yourself. Think of us as your financing department.

Ready to Stop Waiting on Your Bank?

Get pre-approved in 60 seconds. No hard credit pull. No obligation.