Loans · Credit cards · Payments

Capital, credit and payments.
One advisor for all of it.

Business loans, business credit cards, card processing, personal loans and cellular data mitigation. We compare offers from our partner network and sit on your side of the table while you pick the one that fits.

No obligation A real advisor, not a call center Lender-neutral

See what you qualify for

Takes about two minutes.

What are you looking for?
Have these ready (about 10 minutes): Last 3–4 business bank statements, driver's license, Social Security card, EIN letter and a voided business check.
Start loan application →

By continuing you agree to be contacted about financing. [ADD CREDIT-CHECK DISCLOSURE — e.g. soft vs. hard pull]

One application

Fill it out once. We handle every lender's paperwork.

Side-by-side offers

Rates, terms and total cost laid out in plain English.

Your own advisor

One person who knows your file, start to funded.

What we do

Five ways we help you put money to work.

Business Loans

One application, many lenders. We match you with the right structure for the job:

Term loans Lines of credit SBA loans Equipment financing Working capital Invoice factoring
Get loan options →

Business Credit Cards

Cards that fit how you spend: rewards on ad spend and inventory, intro APR offers, and employee cards with controls. Keep business and personal spending separate while you build business credit.

Apply for a business card →

Credit Card Processing

Accept cards in store, online and on the go. Send us a recent processing statement and we'll show you what you're really paying, and what you could pay instead.

Apply for processing →

Personal Loans

Fixed-rate loans for debt consolidation, home projects or big expenses. Compare offers from lending partners without filling out a dozen applications.

Apply for a personal loan →

Cellular Data Mitigation

Turn your business Wi-Fi into a monthly revenue stream. Mobile carriers pay to move customers' phone data onto local Wi-Fi, and locations with steady foot traffic can earn from it.

See if you qualify →

How it works

From application to funded in three steps.

  1. 01

    Apply once

    Tell us about your business and what the money is for. Upload recent bank statements.

  2. 02

    Compare real offers

    Your advisor matches you with lenders and walks you through every offer, including the total cost.

  3. 03

    Get funded

    Sign with the lender you choose. Funds go straight from the lender to your business account.

Why work with a broker instead of going straight to a bank?

Going it alone

  • One bank, one set of products
  • A new application for every no
  • Loans, cards and processing from different places
  • Hard to know if the terms or fees are good

With FCL

  • Banks, SBA lenders, card issuers and processors
  • One application, one point of contact
  • Offers compared for you, side by side
  • An advisor who reviews the fine print with you

Industries

We speak your industry's numbers.

Restaurants & hospitality E-commerce & DTC brands Construction & trades Trucking & logistics Medical & dental practices Retail Manufacturing Professional services Auto repair Beauty & wellness

Client stories

We weren't doing bad, but we didn't have what we needed in the bank when our next idea came along. Taking that $200K made everything that happened in the next 10 years totally possible.
J. FerlitoCEO, Amerili Manufacturing

Questions owners ask us

[CONFIRM WITH YOUR PARTNERS.] Many lenders start with a soft inquiry. A hard inquiry usually happens only once you choose an offer and move to final approval. Credit card applications typically involve a hard inquiry.

Ready to see what's out there?

Two minutes now can save you weeks of applying lender by lender.

Start my application Call (680) 202-7123