You’ve Got a Business to Run. We Get It.
About Us
Metropolitan Capital is committed to helping small businesses access working capital when they need it most.
We know there’s no such thing as one-size-fits-all regarding small business financing, so we’ve created custom funding solutions for all your working capital needs.
At Metropolitan Capital, we understand how small businesses operate, and we’ve created financing solutions to meet those needs.
Metropolitan Capital is a BBB A+ rated direct lender with a 4.5 rating on TrustPilot, that can fund and close any amount your restaurant qualifies for between $5,000 and $600,000 within 2 business days after application approval.
Our funding solutions offer a straightforward application process, clear terms, and flexible payment options, enabling small businesses to access the working capital they need when they need it most.
Our Current Business Funding Solutions:
- Merchant/Business Cash Advance ($5,000 – $600,000): Our merchant/business cash advance provides a lump sum based on your monthly average credit/debit card processing volume.
- A Revenue-Based Business Loan ($5,000 – $600,000): Our revenue-based business loan funding option provides a lump sum amount based on your monthly average business bank account deposit activity.
- Business Line of Credit ($5,000 – $100,000): Our business line of credit option allows you to draw on a maximum credit limit as needed.
Requirements (Loans/Cash Advances):
- Terms or Estimated Terms (months): 4-12, 15-18
- Min. Time in Business (years): 2
- Min. Monthly Sales: $10,000
- Min. Credit/FICO®: 600
- Max. Business Liens/Judgments: $150,000
- Min. Financing Amount: $5,000
- Max. Financing Amount: $600,000
- Origination Fee: n/a
Requirements (Line of Credit):
- Terms or Estimated Terms (months): 6, 9, 12
- Min. Time in Business (years): 2
- Min. Monthly Sales: $10,000
- Min. Credit/FICO®: 600
- Max. Business Liens/Judgments: $150,000
- Min. Financing Amount
- Max. Financing Amount
- Origination Fee: 4% Draw Fee
Check out our “success stories“ here.
Our downloadable “brochure” is available here.
Prohibited Businesses/Industries List:
- Adult Entertainment
- Auto Dealers (new & used)
- Bail Bonds
- Banks
- Cannabis/Marijuana-Related Businesses
- Car Services (e.g., Uber, Lyft, etc.)
- Casinos
- Churches/ Religious Organizations
- Collection Agencies
- Consumer Debt
- Counseling Services
- Direct / Multi-Level Marketing
- Firearms/Ammunition
- Flea Markets
- Law Firms
- Lending Services
- Money Services
- Nightclubs
- Non-Profit Organizations
- Property Management
- Real Estate Brokers/Agents
- Real Estate Investors
- Sanctioned Business (OFAC SDN)
- Social Media Influencers
Trucking/Logistics - Vape Shops
- Virtual Currency
How to Apply for Funding:
If you meet the time, business, credit score, and deposit requirements, and your business is NOT on the prohibited list above, you can confidently apply online for funding.
Be sure to have the following items for the online application form, as they will be required to be uploaded for review:
- A copy of your driver’s license
- A copy of a “voided” business check
- The last FOUR months of business bank statements
Ready to see how much your business qualifies for?
Just visit our online application page.