What happens after you get in touch
KCapital is an advisory service, not an automated lending platform. Here is what to expect at each stage, from the moment you submit the questionnaire to the point where you decide how to move forward.
You complete the questionnaire
It takes about two to three minutes. We ask what you are trying to do, a few details about your business or the business you are looking at, and how to reach you. There is no credit pull and we never ask for a SSN.
You see a preliminary read
As soon as you finish, we show an initial indication of fit based on your answers. This is a preliminary assessment to help you understand where you stand. It is not a loan approval, a credit decision, or a guarantee of financing.
Our team reviews your submission
A member of the KCapital team reads through what you sent, typically within one business day. Nothing is scored automatically and no automated decision is made about your file.
We follow up with your options
You will hear from us by phone or email. For financing, we look at which programs fit your situation and which lenders are worth approaching. For an acquisition, we look at valuation, deal structure, and how the purchase could realistically be funded.
You decide how to proceed
If it makes sense to move forward, we make introductions and stay involved through the process. If the timing is not right, we will say so, and explain what would need to change for it to work later.
What you get from working with us
Every submission is reviewed by a person on our team. Nothing is approved or declined by software.
A dedicated point of contact
One person who knows your situation and follows up, so you are not repeating yourself to a new advisor each time.
Lender introductions
Direct connections to SBA and conventional lenders who work regularly with small business financing and acquisitions.
Valuation and deal structure
Help reading the numbers on a target business, understanding SDE, and thinking through how an offer should be structured.
An honest early read
We tell you when something is not a fit. A clear no now is more useful than months spent on a deal that was never going to fund.