Kael Capital

Kael Capital · Private Business Finance

Capital,
arranged properly.

Business term loans and SBA facilities to $5,000,000, structured through a private network of lending partners. A first answer within 24 hours.

Start an application Review the products

Soft credit review only · All 50 states

01Position

Kael Capital is a private brokerage for business credit. We arrange term debt, SBA facilities, standing lines, and asset finance for owners who prefer their affairs handled quietly and correctly.

We hold no loan book and answer to no single lender. Our work is the shape of the ask, the choice of partner, and the terms that follow.

From $5,000 to $5,000,000 · In all 50 states

$5K – $5M

Placement range

24 hours

First answers, typically

50 states

Coverage

Five instruments

Carried on the ledger

02The ledger

Five instruments. Each placed with intention.

Every engagement leads with the two facilities we know best — term debt and SBA — and draws on the rest when the situation calls for it.

i Business Term Loans Principal desk To $5,000,000Amount 3–7 daysTo funding Fixed principal, a defined schedule, priced once. For expansion, acquisition, or a considered refinance. ii SBA Loans — 7(a) & 504 Principal desk To $5,000,000Amount 2–6 weeksTo funding Government-guaranteed structures carrying the longest terms and lowest coupons available to a small business. iii Business Line of Credit To $250,000Amount 1–3 daysTo funding A standing facility. Draw when needed, pay for what you use, keep the remainder in reserve. iv Working Capital To $1,000,000Amount 24–48 hoursTo funding Revenue-based advances for the moment an opportunity will not wait for committee. v Equipment Financing To $2,000,000Amount 2–5 daysTo funding The asset secures itself. Machinery, vehicles, and plant, financed against their own value.

Unsure which applies? Submit the short form and an advisor will tell you plainly.

03The process

A conversation. A structure. A close.

A conversation

Twenty minutes, by phone or in writing. The business, the number, the purpose, the timing. Nothing is pitched — we ask, and we listen.

A structure

We shape the request and place it with the partners most likely to price it well. You receive options worth reading — the first typically within 24 hours.

A close

Documents, underwriting, funding. Term facilities settle in days; SBA in weeks. You hear from us at every stage.

04Who we serve

Established operators, across the American economy.

Typically three months or more in business, with monthly revenue of $10,000 or above. Among the industries we place most often:

  • Construction & skilled trades —
  • Medical & dental practices —
  • Restaurants & hospitality —
  • Trucking & logistics —
  • Manufacturing —
  • Professional services —
  • Retail —
  • E-commerce —

05Questions

Asked often, answered plainly.

Will an application affect my credit?

No. The initial review uses a soft credit inquiry, which leaves no mark on your score. A full inquiry happens only if you accept a specific offer that requires one — and you would be told before it happens.

How quickly does funding arrive?

Working capital can settle in 24 to 48 hours. Term loans generally fund in three to seven days from accepted terms; lines of credit in one to three; equipment financing in two to five. SBA facilities run two to six weeks.

What is required to qualify?

For most placements: roughly three months or more of operating history, and monthly revenue near $10,000 or above. Larger term and SBA facilities look deeper — financial statements, tax returns, and time in business carry more weight.

Is Kael Capital the lender?

No. We are a broker. Financing is provided by third-party funding partners; our role is to structure your request, place it with the right desk, and manage the process through to close.

What documents will you ask for?

For smaller facilities, usually three to six months of business bank statements and basic identifying details. Term and SBA requests add financial statements and business tax returns. We ask once, and only for what the placement requires.

How large a facility can you arrange?

From $5,000 to $5,000,000, depending on the product, the revenue behind it, and the strength of the file.

06Correspondence

The next step is a conversation.

Three minutes of your time. A soft credit review. Options within 24 hours, and no obligation at any point.

Start an application Call {{PHONE}}

Or write directly — brandonchu@kaelcapital.com