Capital Ally

How it works

From your first request to a clearer financial picture.

Check eligibility, share your business information and review the offers you receive. Capital Ally then gives you the tools to understand your costs and manage what comes next.

  1. Step 1

    Check your eligibility

    A few questions about your business and the funding you want. It takes under 5 minutes, needs no documents and does not affect your credit score.

    The first eligibility question: about how much do you need

  2. Step 2

    Connect your business account

    When requested, securely connect your business account through Plaid, so we never see your bank login. After connection, you can view account activity and cash-flow information in Capital Ally.

    Money in and money out by month, read from the connected bank

  3. Step 3

    Review the offers you receive

    Offers appear side by side with the amount, payment, what each dollar costs and the total payback. Your advisor can talk you through the trade-offs. Choose one, or walk away.

    Two offers compared by amount, total payback, cost, cost per dollar, payment, term and APR

  4. Step 4

    Keep your financial tools in one place

    After funding, your advisor can ask your lender to review your terms every 90 days, and the app shows early payoff costs, a payoff plan, your funding readiness and the fees in your account. Optional paid services; availability and terms are shown in the app.

    The Capital Ally Home tab: funding request, readiness score, money found and the next filing date

What you may need

Nothing is needed to check eligibility. Once you choose a direction, the documents depend on the lender and the financing.

Working capital, lines of credit, ecommerce
3 to 6 months of business bank statements, a one-page application and ID.
Term loans and equipment financing
Bank statements, a short application, and for equipment a vendor quote or invoice.
Invoice factoring
An aging report, sample invoices and customer details.
SBA and commercial real estate
Three years of business and personal tax returns, P&L, balance sheet, debt schedule and a use-of-funds summary. Property deals add an appraisal.

What may affect eligibility

Requirements vary by financing product and provider. Your business information helps determine what may be considered during an eligibility review.

Check your eligibility
Business and ownership
Where the business is located, how it is structured and who owns it.
Operating history
Time in business, revenue and cash-flow activity.
Financial circumstances
Existing obligations, credit considerations and the intended use of financing.

Capital Ally

Start with a few questions about your business.

Checking eligibility takes under 5 minutes, does not affect your credit score and does not obligate you to accept any offer.

Check your eligibility