Most business owners either wait 90 days for a bank to say no — or sign a fast loan they don't fully understand.
This quiz exists to find the third option. Answer 10 questions about your actual business and we'll match you with the lenders most likely to approve your application — at terms built to sustain, not strain.
I was two days from signing a short-term cash advance out of desperation. The quiz matched me with a lender I'd never heard of. We settled in 11 days at a rate I could actually afford. That daily repayment structure would have gutted us.
Two banks said no and neither could tell me exactly why. The quiz told me my DSCR was the issue – my aggressive write-offs were working against me at loan time. My advisor found a lender who underwrites on gross revenue instead. First time anyone had explained that to me.
Eighteen months in, $38K monthly revenue, every bank told me to come back in two years. The quiz found equipment financing I qualified for today. Nobody told me that was even an option. Game-changer for the expansion I'd been putting off.
What $50K of unfunded stock actually costs you
The interest on the loan is rarely the expensive part. The empty shelves are.
You didn't buy $50.0K of stock
At 11% interest, the loan costs $5.5K per year. Empty shelves cost far more.
Customers ask. You say no. They go elsewhere.
Every month without stock you're losing $50.0K in sales — money walking out the door.
$150.0K gone — customers learn to shop elsewhere
After 3 months of stockouts, buying habits shift. Some customers won't return.
The loan would have made you $114.5K net profit
Stock turning 6× at 40% margin = $120K gross. Minus $5.5K interest = $114.5K. Instead: $600K lost.
$1.80M gone, plus a weaker customer base
Your competitor who bought the stock is now the default supplier. That position doesn't come back cheaply.
What $25K of unpaid payroll actually costs you
A $167 interest bill is nothing compared to losing your team and the revenue they generate.
Payroll of $25.0K not covered this month
The loan to cover it costs $167 in interest — less than one day of your team's output. Your 8 staff generate $64.0K in revenue per month. That is what is actually at risk.
Trust breaks the moment the payment misses
Staff don't wait to see if it's a one-off. The best ones — the ones with options — start looking immediately. Disengagement drops output by 20% or more before anyone hands in notice.
Your top 3 performers start interviewing
Around 40% of staff will actively look for new work after a missed payment. The ones who leave fastest are your highest performers — they have the most options. Each replacement costs roughly $1.6K in recruiting and onboarding.
Output drops. Customers feel it. Revenue follows.
A disengaged or understaffed team delivers slower, makes more errors, and sells less. At 20% reduced output across 8 staff, you lose $38.4K in revenue over 3 months — on top of the payroll you still owe.
The real cost: $43.1K in damage vs. $2.0K in loan interest
Replacement costs, lost revenue from disengagement, rehiring time, and retraining add up to multiples of the original payroll gap. The loan interest to have avoided all of this: $2.0K. You were going to spend the money either way — this is the cheaper version.
The problem with finding business capital in 2025
The market is broken at both ends.
Business owners are being forced to choose between two inadequate extremes — and most don't know there's a third path.
What we do differently
We match your specific business profile to the lenders who actually fund businesses at your stage, with your financials, in your industry — before you talk to anyone.
The process
From quiz to funded in three steps.
Most business owners who complete the quiz speak with an advisor within one business day. Average time from quiz to funded is 11 days.
Before you continue
The questions most business owners have before they start.
We've heard every version of these. Here's what's actually true.
Predatory lending options are often the most dangerous one
Merchant cash advances market themselves on speed and simplicity. What they don't explain upfront is that you're not borrowing money — you're selling a portion of future revenue at a rate that can cost you two to three times what you'd pay a traditional lender.
The borrowers who end up in the deepest trouble are almost never reckless. They're business owners who needed capital quickly, couldn't access traditional financing, and didn't have the information to understand what they were signing. That's the gap we exist to close.
What we actually match you with
Not all capital looks the same. We know the difference.
Our lender network spans the full range — and we match you to the type that fits your stage, not the type that pays the highest referral fee.
Smart founders check their options before they talk to anyone.
The quiz takes less than two minutes. You'll receive a personalised funding profile immediately — no credit check, no commitment, no sales call unless you want one.
Find my funding options →More from business owners who used CapitalMatch
The situations we were built for.
"Three cash advances, all debiting daily. They were taking 22 cents out of every dollar before I could pay anything else. My advisor consolidated all three into one monthly repayment at a fraction of the cost. That was nine months ago. Revenue is up 40% — not because business got better, but because we stopped bleeding cash every morning."
"Four different people told me the same thing: come back when you've got two years of tax returns. The quiz found a community lender that didn't need that. Fourteen days later I had $35,000 to cover my first major inventory order. That order changed everything. No one else even mentioned that option was available."
"Three banks. Three knockbacks. Zero explanation. My advisor took 40 minutes to explain what none of them would — my write-offs were killing my serviceability on paper. She knew exactly which lenders look at gross revenue instead. We were funded in three weeks. That conversation was worth more than anything a bank ever told me."
"$180,000 in equipment. 14 months of trading history. Every bank said come back in two years. The quiz identified equipment finance in the first few questions — the machine secures the loan, so the two-year rule doesn't apply. Eight days later we were funded. Two months after that, our capacity had doubled."
The decision you're actually making
There are two paths from here.
Both are legitimate. One tends to take longer, cost more, and leave you with less clarity. The other takes two minutes.
Keep searching on your own
- Two to three months reading generic loan guides that don't know your specific situation
- One or two bank applications that take 90 days and end in a rejection you can't fully explain
- Growing pressure to accept the fastest offer available — often a merchant cash advance you'll regret
- A funding decision made under pressure, with incomplete information, and no one in your corner
Know your options before you commit
- A personalised funding profile in 2 minutes — specific to your stage, revenue, and use case
- One advisor who's already read your file and can explain your options in plain English
- Clear visibility into which lenders are most likely to approve your application — and at what terms
- If we can't help, we'll tell you honestly and point you toward options that can
It's no coincidence you're still reading. That means you're a founder who does their homework before they commit. That's exactly who this was built for.
01Will this affect my credit score?
02What happens after I complete the quiz?
03What types of loans and funding can you match me with?
04I've been rejected by a bank before. Is this worth my time?
05Who will have access to my information?
06My business is less than a year old. Is there any point in taking the quiz?
07I'm currently in a merchant cash advance. Can you help?
08Is this service free?
Smart owners check their options before they commit.
Join 4,200+ business owners who found their funding match last year — without signing something they didn't understand first.