Company, roles, workflow and the products
Start here. By the end of this page you will know what Capvera actually sells, where you sit on the ladder, what you own day to day, and how to talk about every product on the shelf.
01 — Company overview
One relationship. Two engines.
Capvera is a consultative capital and payments shop. We do not push a single product — we read the business, then choose the structure that fits it. That is the whole pitch, and it is why merchants stay.
Engine one — Capital
Every route a business can take to money, under one roof.
Engine two — Payments
The rails that make a business fundable, and keep it fundable.
How we do it — four steps
01
Read the money
Statements and processing statements. No guesswork before the numbers are in front of you.
02
Install the rails
Clover, if this is a build. Payments is how the money starts showing up bankable.
03
Season 30–60 days
Let the clean deposits accumulate. This is the step agents skip and then wonder why files fail.
04
Fund, then climb
Fund on a stronger file, then keep climbing with each renewal and each product added.
Why Capvera wins
One relationship
Capital and payments under one roof — the merchant stops shopping.
0% processing
On Visa, MC and Amex, depending on approval and volume.
50% residual
Half the processing residual goes back to the merchant every month.
Flexible structure
RBF, split pay, term, LOC, equipment, stacking, SBA — matched to the file, not the quota.
Consultative
Yes, no, or build — always with the reason attached.
Speed and depth
24–72 hours on the fast products, and the depth to structure the complex ones.
02 & 03 — Your seat, and your day
The ladder, and the eight steps you own
Junior AdvisorYou
Call, text and email. Get on the phone, run the full application, collect the documents, self-review the file, run the AI push, send to banks, book the senior.
Senior Advisor
Closes the build or the funding.
Funding
Executes the funding side.
Manager
Team leadership.
Director
Book ownership.
Admin
Support across the board.
- 1
Work the leads
Call, text and email until the lead moves to responded. Front-end volume is the whole game.
- 2
Get them on the phone
Nothing closes over text. Your only job in the first hour is a live conversation.
- 3
Run the full application
The Capvera Business Funding Application. Every field, every time — a partial application produces a partial file.
- 4
Collect the documents
Statements or processing statements, voided check, driver's license. The holy trinity.
- 5
Self-review the file
Read your own work before anyone else does: monthly revenue, negative days, balances, off-rail volume, positions, consistency.
- 6
AI push: build or fund
Run the stack check and make the call. Is this bankable today, or does it need the rails first?
- 7
Send to the right banks
Match the file to the lenders that actually want it. Wrong-fit submissions burn relationships.
- 8
Book the senior advisor
Close the loop. A clean file plus a booked call is the deliverable.
The holy trinity
Statements or processing statements, a voided check, and a driver's license. Every time. A file missing any one of the three is not a file.
04 — Core terminology
Say it exactly right
There are two languages in this business, and using the wrong word tells a merchant and a funder that you are new. Learn both cold.
Funding language
How the deal itself is described
- Factor Rate
- The multiplier applied to the advance to get the purchased amount. Typically 1.15–1.55 on an MCA — not an APR.
- Holdback / Retrieval
- The percentage of daily card sales withheld to repay the advance. This is how an MCA collects.
- Advance Amount
- What the merchant receives up front.
- Purchased Amount
- What the merchant repays in total — advance amount multiplied by the factor rate.
- Paper Grade
- The funder's letter grade for the file. It drives pricing, terms and who will even look at it.
- Position
- One outstanding advance against the business. 'First position' means you are first in line.
- Stacking
- Taking on additional positions while existing ones are still open. Sometimes necessary, always a burden.
- Burden %
- The percentage of revenue already going out to existing payments. The higher it is, the less room you have.
Banking language
How the account is described
- NSF
- Non-sufficient funds — a payment that bounced. A handful is a conversation; a pattern is a decline.
- Negative Days
- Days the account balance went below zero. One of the fastest ways to kill a file.
- Average Daily Balance
- The typical balance the account carries. Funders read it as a cushion against slow weeks.
- True Revenue
- Revenue after the off-rail and non-business noise is stripped out — what the business actually earns.
- Deposit Consistency
- How evenly money lands month over month. Steady beats spiky, almost every time.
- Dilution
- The share of deposits that is not real business revenue — transfers, loans, personal money.
- UCC-1
- The lien filing a funder places on the business assets. It is how positions are tracked publicly.
- Stipulations
- The additional items a funder requires before funding. Miss one and the deal stalls at the finish line.
Capvera language
The words specific to how we work
- Clean File
- Bankable today. On-rail deposits, consistent revenue, healthy balances, room left in the cash flow.
- Build File
- Real business, not bankable yet. Needs the rails installed and seasoned before it can fund.
- Off the Rails
- Money that never touches a bank account we can read — cash, unreported checks, personal payment apps.
- Season
- The 30–60 days of clean deposits that turn a build file into a fundable one.
- Rails
- The processing setup, usually Clover, that puts card volume onto the statement where it counts.
- Residual
- The share of processing revenue that comes back to the merchant. Ours is 50%.
05 — Product deep dives
Every product, in the order you will pitch it
Read the deep dive on each. If you cannot explain a product in one breath — what it is, what it is not, who it fits — you are not ready to put it in front of a merchant.
MCA / Revenue-Based Financing
An advance against future revenue, repaid as a fixed percentage of daily card sales. It is bank-statement driven, so what the file looks like on paper decides everything. Speed is the selling point — this is the product you lead with when a merchant needs money this week.
Who it fits
- Card-heavy businesses with steady daily volume
- Merchants who cannot wait on a bank
- Files that already have 1–3 positions with room left
Watch out
It is not a loan — never call it one. There is a factor rate and a holdback, not an APR. Using loan language creates a compliance problem and a confused merchant.
Split Pay Funding
A percentage of each card batch is split off automatically at the processor level until the balance is retired. Repayment moves with sales, so slow weeks cost less. Multi-funder split lets more than one funder sit in the same split.
Who it fits
- Businesses with strong but uneven card volume
- Merchants who want repayment tied to performance
- Files where a fixed weekly debit would be too heavy
Watch out
It requires card volume running through a processor we can see. If the merchant is off the rails, fix that first — split pay has nothing to split.
Term Loans
A fixed payment over a fixed term. The most predictable structure we offer, and the easiest for a merchant to budget around. Priced higher than SBA, far faster than SBA.
Who it fits
- Steady, bankable deposits month over month
- A clear, specific use of funds
- Merchants who want repayment to look like a bill
Watch out
A fixed payment does not care about a slow month. Make sure the cash flow actually supports a flat debit before you pitch it.
Lines of Credit
Approved once, drawn when needed, and only paid for when used. The right structure for a business that wants capital available without committing to a payment it may not need yet.
Who it fits
- Seasonal businesses with a predictable slow stretch
- Merchants managing inventory or payroll gaps
- Strong files that want a backstop, not a lump sum
Watch out
Merchants often expect it to work like a credit card. Set the draw expectations up front so there is no surprise at the first request.
Equipment Financing
Funds the machine, the vehicle, or the build-out. The asset itself supports the approval, which opens the door for files that would struggle on cash flow alone — and the equipment secures the deal at the same time.
Who it fits
- Trades, contractors, restaurants, and any capital equipment purchase
- Files light on revenue but heavy on a specific need
- Merchants who already know exactly what they are buying
Watch out
The money goes to the equipment, not into the merchant's pocket. Do not let a merchant expect working capital out of an equipment deal.
Credit Card Stacking
Multiple 0% introductory cards opened in the same window and sequenced into working capital. This is a credit play, not a revenue play — the personal profile does the work, not the statement.
Who it fits
- Owners with strong personal credit
- Merchants who need capital without touching their bank file
- Businesses that would rather not add another position
Watch out
It is credit-driven, so a thin or damaged profile shuts it down immediately. Pull credit before you promise anything.
SBA 7(a) & 504
The longest terms and the lowest rates available anywhere — and the slowest, most document-heavy path we offer. Credit and full file quality carry the weight here, not daily card volume.
Who it fits
- Established businesses with clean, complete documentation
- Real estate, acquisition and large expansion projects
- Owners with strong credit and time to wait
Watch out
Do not lead with SBA on a merchant who needs money this month. Setting the timeline expectation wrong at the start loses the deal later.
Cavera Payments — Clover
The rails. Hardware and SaaS that bring card volume back onto the statement where a funder can actually see it — which is what makes a build file fundable and keeps a funded file clean. It also pays the merchant back: 0% processing on Visa, MC and Amex depending on approval and volume, and a 50% residual.
Who it fits
- Every build file — this is the install
- Businesses running heavy Square or Stripe volume
- Merchants paying too much on their current processing
Watch out
Timing is everything on a build. The rails go in first, then the season, then the funding — in that order.