Disclosures

Financial Capital Solutions LLC ("FCS") is a business funding consultancy. We are not a bank or a direct lender, and we are not affiliated with the U.S. Small Business Administration (SBA) or any government agency. We work with a network of independent third-party lenders and funding partners ("providers") to help businesses compare funding options. FCS does not approve or deny applications, set final terms, or fund loans or advances itself.

Business-purpose funding only

FCS serves business financing needs. We do not offer personal, family, or household consumer loans.

Amounts, timing, and eligibility

Any dollar ranges, approval timelines, or results shown on this site (for example, "$5,000–$2M" or "funding in 48 hours") describe ranges seen across our providers' programs. They are not a guarantee that you will qualify for or receive a specific amount, rate, or funding speed. Eligibility and final offers depend on the provider's review of your application, revenue, time in business, and credit profile. Providers generally conduct a soft credit pull to check options; if a provider requires a hard credit inquiry, they will tell you first.

Rates, fees, and repayment terms

FCS does not set the rate, APR, factor rate, fees, or repayment schedule of any offer. Your provider sets those terms and must disclose them before you accept, including — where applicable — the minimum and maximum repayment period, the maximum APR or cost of capital, and a representative example showing the amount financed, total cost, and total amount repayable including all fees. Read those disclosures carefully before signing. Repayment periods vary widely by product: months for short-term working capital, and up to 7–25 years on certain SBA-backed loans offered through participating lenders.

Products that aren't loans

Some options are not loans. A merchant cash advance, for example, is a purchase of your future receivables at a discount — it is not a loan and may not carry an APR. Your provider will identify what type of product you are being offered.

Compensation

FCS may receive compensation from providers when a business accepts funding. You are never obligated to accept any offer presented to you.

Non-discrimination

FCS works with applicants of every background and does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other characteristic protected by law. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on those bases.

Licensing

FCS operates as a consultancy. Lending and funding partners hold the licenses and registrations required for the products they offer in the markets they serve.

Questions about these disclosures: info@fincapsolutions.net — Financial Capital Solutions LLC, 4012 Meadow Trial Lane, Hyattsville, MD 20784.