Business financing
SBA, term loans, lines of credit, revenue-based financing, asset-based lending, receivables financing, bridge capital, acquisitions, refinancing, and restructuring.
Funding · Payments · Growth services
One partner for what your business needs next.
Covenant Capital helps small and middle-market businesses access financing, streamline operations, protect what they have built, and create room for what comes next.
No upfront funding feesConfidential reviewSave your progress
Secure application
Tell us what you need. We’ll tailor the next questions.
Select one or several products. Complete shared details once and save a private draft to finish later.
Choose multiple products →Sign-in is required. No financing approval or terms are guaranteed.BUSINESS FINANCING PAYMENT PROCESSING INSURANCE PAYROLL REAL ESTATE OPERATIONS
What we solve
Your business is connected.
Your partners should be, too.
Capital decisions affect cash flow. Payment costs affect margin. Insurance, payroll, energy, marketing, and systems shape both. Covenant Capital brings those conversations together.
Payment processing
Low-risk and high-risk card acceptance, ACH, e-commerce, mobile, and point-of-sale solutions matched to how your business actually sells.
Insurance & protection
Commercial coverage across lines, coordinated with the capital, property, people, and operating risks your business carries.
Payroll & operations
Payroll processing, bookkeeping, telecom, software, energy procurement, and practical back-office support in one relationship.
Growth services
Digital marketing, e-commerce management, Toast POS solutions, and business systems selected around measurable growth.
Strategic transactions
Real-estate-backed financing, business acquisitions, debt consolidation, recapitalizations, and complex capital stacks.
Built for the whole decision
Strategy before product.
One clear point of contact
Stop re-explaining the business to disconnected vendors. We coordinate the moving pieces.
Capital with context
We look beyond the requested amount to cash flow, leverage, timing, risk, and the next decision.
A broader marketplace
We match the opportunity to a network spanning banks, non-bank lenders, specialty finance, and payment platforms.
Financing spectrum
From working capital to the next chapter.
Lines of credit · SBA loans · Term loans · DSCR · Bridge loans · A/R financing · Asset-based lending · Acquisition financing · MCA restructuring · Business credit
A better starting point
Apply for one service or several.
Our guided application asks shared questions once, follows up by product, and lets you save a private draft link to continue later.
Start a combined application →Most common
01 / CAPITAL
Business loan application
Working capital, expansion, equipment, SBA, lines of credit, refinancing, acquisitions, and more.
Begin application →02 / PROPERTY
Real estate financing
Investment property, owner-occupied, bridge, DSCR, construction, refinance, and acquisition requests.
Begin application →03 / PAYMENTS
Payment processing
Card, ACH, e-commerce, high-risk, mobile, retail, recurring, and point-of-sale solutions.
Begin application →Let’s move with purpose
Tell us what the business needs next.
Begin with a secure application. We will review the whole picture and help identify the most practical path forward.
Start here