$50M+
Capital deployed
1,200+
Businesses funded
< 4 hr
Average approval time
98%
Client satisfaction
Our approach
One file, routed to the right desk.
Most business owners looking for capital run into the same two walls: a bank that takes six weeks to say no, or a lead aggregator that resells their application to forty inboxes and disappears. Neither one is actually working on your behalf.
We built Growth Rate Capital to sit in between. We take one complete file, review it with a real funding specialist, and present it only to the lenders in our network most likely to fund your specific industry, revenue profile, and structure. You get a decision the same day and a single point of contact from first email to deposit.
We're paid by the lender when a deal funds — never by you, and never up front. That alignment is the whole point: if the structure isn't right for your business, there's no reason for us to push it.
What we stand on
Straight answers, fast decisions, no surprises.
Transparency first
Clear terms, total cost laid out plainly, and no hidden fees buried in the paperwork.
Speed with judgment
Fast doesn't mean careless. We only present structures that make sense for your cash flow.
Long-term relationships
Most of our volume is renewals and referrals. We'd rather earn the next deal than force this one.
Who we serve
Businesses across dozens of industries.
Track record
What owners say after the wire clears.
“Growth Rate Capital got us funded within 24 hours. Professional, transparent, and simple. We covered payroll and restocked inventory without missing a beat.”
“Our bank had us in underwriting limbo for six weeks. GRC came back with two structured options in a day and the wire hit that Friday.”
“I run eight trucks and brokers pay net 45. The advance keeps fuel and payroll covered without the card balance creeping. Renewed twice now.”
“They ran the math with me instead of pitching. Consolidated two short-term advances into one loan with a much lower monthly payment.”
“The application took ten minutes. Inside a business day I had offers laid out side by side. That's the kind of help small businesses actually need.”
“Declined by two banks for an expansion line. GRC routed it to a lender that understands our industry and came back with terms in 48 hours.”