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Smart Capital,
Tailored to You

We take a top-down approach to business funding — matching you with the absolute best options you qualify for, from $50K to $5M. One application. Multiple offers. Zero guesswork.

Get Your Funding Options Call Us

DH MK RS JL

★★★★★

Trusted by thousands of business owners

Pre-Qualified

Funding Overview Heflin Capital

$250,000

Approved funding amount

Term

36 mo

Rate

8.9%

Monthly

$7,940

Speed

48 hrs

Application Progress 78%

Trusted Lending Partners in Our Network

How It Works

Funded in Three Simple Steps

Our streamlined process gets you from application to funding as fast as 24 hours.

Apply Online

Complete our simple application in under 5 minutes. Our team will review your business profile immediately.

Review Your Options

We match you with the best offers from our network of 80+ lenders. Compare rates, terms, and amounts side-by-side.

Get Funded

Choose your preferred option and receive funding in as fast as 24 hours. It's that simple.

Checking your options will not affect your credit score

80+

Lender Partners

$5M

Max Funding

24hr

Fastest Funding

12+

Funding Products

Funding Solutions

The Right Capital for Every Need

From working capital to real estate — we connect you with funding products tailored to your business goals.

Business Line of Credit

Flexible revolving credit you can draw from when needed. Only pay interest on what you use.

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Term Loans

Predictable fixed payments with competitive rates. Ideal for large, one-time investments in your business.

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SBA 7(a) & 504 Loans

Government-backed loans with the lowest rates available. Perfect for expansion, equipment, or real estate.

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Equipment Financing

Fund the equipment your business needs to grow. The equipment itself serves as collateral.

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0% Interest Credit Lines

Access capital with zero interest for an introductory period. Maximize your purchasing power.

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Invoice Factoring

Turn your outstanding invoices into immediate cash. Get paid now for your 30, 60, or 90-day receivables.

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Real Estate Financing

Fix & flip, DSCR, bridge loans, and ground-up construction. Funding for every stage of your project.

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Revenue-Based Financing

Flexible repayment tied to your revenue. Payments adjust with your business performance.

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Debt Refinancing

Consolidate existing debt into better terms. Lower your payments and improve your cash flow.

Apply Now

Why Heflin Capital

A Top-Down Approach to Business Funding

Led by Drew Heflin, Founder & CEO, we don't just find you a loan — we find you the best loan. Our top-down methodology means we start with the highest-quality options you qualify for and work from there.

Best Options First

We prioritize the highest quality funding you qualify for — not the easiest deal to close.

80+ Lender Network

One application connects you to dozens of competing lenders so you get the best terms available.

Fast Turnaround

Most clients receive multiple offers within 24–48 hours. Funding as fast as same day.

No Credit Impact

Our pre-qualification process uses a soft pull that won't affect your credit score.

Your Funding Comparison

Sample offers from our lender network

Lender A — Term Loan 8.9% APR

Lender B — SBA 7(a) 10.5% APR

Lender C — Line of Credit 14.2% APR

Lender D — Revenue Based 1.18 Factor

Our Recommendation Lender A ✓

Client Success

What Our Clients Say

Business owners trust Heflin Capital to deliver the right funding at the right time.

★★★★★

"Heflin Capital got me a $350K term loan at a rate I didn't think was possible. Drew truly went above and beyond to find the best option for my business."

Marcus R.

Restaurant Owner, Austin TX

★★★★★

"I needed equipment financing fast. Within 48 hours, I had three competitive offers on the table. The process was seamless and professional from start to finish."

Sarah T.

Construction Company, Dallas TX

★★★★★

"After being turned down by my bank, Drew found me an SBA loan with better terms than I originally applied for. The top-down approach really works."

James K.

Logistics Company, Houston TX

FAQ

Frequently Asked Questions

Generally, we work with businesses that have been operating for at least 6 months with a minimum of $10,000 in monthly revenue. However, qualifications vary by product — SBA loans have different requirements than a merchant cash advance. Apply and we'll match you with what you qualify for.

No. Our initial pre-qualification uses a soft credit pull that does not impact your credit score. A hard pull only occurs if you choose to move forward with a specific lender's offer.

Depending on the funding product, you can receive capital in as fast as 24 hours. Lines of credit and term loans are typically the fastest. SBA loans may take 30–60 days due to the government-backed process, but offer the best rates.

For most products, we'll need your last 3 months of business bank statements. Some products may also require tax returns, a P&L statement, or a balance sheet. We'll let you know exactly what's needed based on your specific situation.

A bank offers one option — theirs. We connect you with 80+ lenders competing for your business, which means better rates, more flexible terms, and more options. Our top-down approach ensures you always see the best available offer first.

There is no cost to apply or receive offers. Our service is free to you as the borrower. We are compensated by the lenders in our network when a deal closes.

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