A clearer path
through funding.

Growth can need more than a loan.

Explore venture investment, equity preparation and acquisition finance alongside the lending pathways. Start with the business objective and we can discuss the structure that may fit.

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Purpose of This Guide

37D Capital helps business owners, real estate investors, entrepreneurs, operators, builders, developers, contractors, and growing companies explore practical funding options for growth, working capital, expansion, debt consolidation, equipment, marketing, operations, invoice cash flow, purchase order fulfillment, inventory, equipment, leasing, business acquisition, franchise growth, commercial real estate, contractor projects, grants and incentives, innovation, private capital, real estate investment, construction, rental property acquisition, refinancing, and business development.

Funding may be available through direct funding sources, lending relationships, referral partners, brokers, private lenders, institutional lenders, factoring companies, leasing companies, and third-party capital providers. Approval, terms, rates, amounts, timelines, and availability depend on underwriting, business profile, credit profile, revenue, collateral, accounts receivable, customer quality, property type, investor experience, documentation, market conditions, and provider requirements.

37D Capital’s role is to help review the funding need, organize the file, identify possible funding paths, and connect qualified applicants with appropriate funding options through its capital network.

How 37D Capital Helps

• Reviews the applicant’s business, credit, revenue, collateral, property, receivables, and funding need.
• Helps organize information before a file is submitted to a funding partner.
• Matches the opportunity to possible funding options based on eligibility and use of funds.
• Explains what documents may be required before underwriting can occur.
• Helps prospects understand the differences between credit lines, revenue-based funding, factoring, MCA, purchase order funding, floor plan financing, leasing, real estate investor loans, and refinance options.
• Provides a professional intake and routing process so applicants do not waste time pursuing options that do not fit their profile.

Compare all 40 funding products

Not Sure What You Qualify For?

Many business owners are unsure whether they qualify for funding. That is normal. Some funding options focus on credit, some focus on revenue, some focus on invoices, some focus on purchase orders, some focus on real estate, some focus on equipment, and some focus on the strength of a customer contract or private capital opportunity.

37D Capital helps review the situation and identify which path may be realistic before a business owner spends time applying in the wrong place. The goal is to quickly determine whether the best path is credit-based funding, revenue-based funding, factoring, purchase order funding, real estate financing, equipment leasing, grant support, acquisition financing, or another capital strategy.

How the Process Works

Step 1: Complete the 37D Capital intake form

The applicant completes the intake form with basic information about the business, funding need, requested amount, use of funds, timeline, industry, credit estimate, revenue, collateral, property information, purchase order information, inventory information, asset details, or invoice details, depending on the funding request.

Step 2: Initial pre-screen

37D Capital reviews the applicant’s business profile, funding request, funding purpose, time in business, revenue, industry, credit estimate, available collateral, receivables, customer base, real estate ownership, property information, investor experience, purchase orders, inventory, assets, and intended use of funds.

Step 3: Credit review or prequalification

If the file appears potentially eligible, the applicant may be asked to complete a credit authorization, provide a recent credit report, or complete a soft-pull or prequalification step. This helps determine which funding options may be realistic before additional time is spent collecting documents or submitting the file.

Step 4: Product matching

Based on the applicant’s credit profile, revenue, business history, collateral, funding purpose, property type, real estate experience, liquidity, accounts receivable, purchase orders, inventory, customer strength, asset value, and documentation, 37D Capital identifies potential funding options through its capital network.

Step 5: Document collection

Required documents may include bank statements, identification, ownership verification, business documents, credit reports, property information, purchase agreements, appraisals, leases, rent reports, insurance, entity documents, construction budgets, contractor documents, real estate schedules, tax documents, financial statements, accounts receivable aging reports, invoices, customer lists, purchase orders, supplier quotes, inventory lists, equipment invoices, asset valuations, or other underwriting materials.

Step 6: Submission to the appropriate funding provider or partner

Once the file is complete, 37D Capital may submit the opportunity to the appropriate funding provider, lender, broker, factor, leasing company, funder, or capital partner for review.

Step 7: Offer review

If one or more options are available, the applicant reviews the funding amount, cost, terms, repayment structure, fees, conditions, collateral requirements, closing requirements, customer verification requirements, and provider requirements.

Step 8: Closing, verification, and funding

If the applicant accepts an offer and completes all conditions, the funding provider completes final verification, closing, and funding steps.

Common Documents That May Be Requested

• Completed intake form
• Business funding application
• Photo identification
• Business bank statements
• Personal or business credit report
• Business formation documents
• Articles of organization or incorporation
• Operating agreement or bylaws
• EIN documentation
• Proof of ownership
• Purchase and sale agreement
• Appraisal or valuation
• Property insurance
• Lease agreement
• Market rent report
• Schedule of real estate owned
• Contractor information
• Contractor license
• Contractor insurance
• Construction budget
• Construction plans
• Permits
• Proof of liquidity
• Tax documents or financial statements
• Existing mortgage or debt statements
• Payoff statements
• Factoring application
• Current accounts receivable aging report
• Customer list
• Sample invoices
• Proof that goods or services were delivered
• Existing factoring information, if applicable
• Banking information
• Tax information
• Insurance information
• Transportation details, if applicable
• Motor carrier number, if applicable
• Number of trucks, if applicable
• Customer payment terms
• Confirmation of whether receivables are pledged elsewhere
• Recent merchant processing statements, if applicable
• Purchase orders
• Supplier quotes
• Customer contracts
• Customer credit information
• Proof of delivery or fulfillment process
• Inventory list
• Dealer license, if applicable
• Equipment invoices
• Vendor quotes
• Asset ownership documents
• Equipment titles, if applicable
• Serial numbers or VINs
• Appraisals or equipment valuations
• Proof of insurance
• Payoff statements for existing liens
• Business financial statements
• Existing debt schedules
• Use-of-funds explanation
• Grant or incentive program materials
• Business acquisition letter of intent or purchase agreement
• Franchise disclosure documents
• Commercial leases and rent rolls
• Environmental or property reports
• IP or patent documentation
• Investor deck or private placement materials
• Customer proposals or vendor financing documents
• Tax authority correspondence, if applicable
• Other underwriting documents requested by the funding provider

Best-Fit Funding Summary

• For startups or newer businesses with strong personal credit, the 37D Business Credit Line Program may be a possible fit.
• For businesses with active revenue and regular deposits, 37D Revenue-Based Business Funding may be a possible fit.
• For businesses with active revenue and a need for fast working capital, 37D Merchant Cash Advance may be a possible fit.
• For businesses that issue invoices and need faster cash flow, 37D Invoice Factoring and Accounts Receivable Funding may be a possible fit.
• For trucking companies, freight brokers, carriers, logistics companies, and transportation-related businesses, 37D Transportation and Freight Factoring may be a possible fit.
• For businesses with valid purchase orders from creditworthy customers but limited cash to fulfill the order, 37D Purchase Order Funding may be a possible fit.
• For dealers and inventory-based businesses that need to finance inventory for resale, 37D Floor Plan Financing may be a possible fit.
• For business owners with home equity who need business-purpose capital, 37D Business Purpose Home Equity Funding may be a possible fit.
• For investors buying and renovating properties for resale, 37D Fix & Flip Financing may be a possible fit.
• For investors buying, renovating, renting, and refinancing, 37D Fix2Rent / BRRRR Financing may be a possible fit.
• For builders and developers constructing residential properties, 37D Ground-Up Construction Financing may be a possible fit.
• For investors building properties intended to become rentals, 37D Build2Rent Financing may be a possible fit.
• For investors needing short-term acquisition or refinance capital, 37D Bridge Financing may be a possible fit.
• For rental property investors seeking long-term financing, 37D DSCR Rental Loans may be a possible fit.
• For investors with multiple properties, 37D Rental Portfolio Financing may be a possible fit.
• For vacation rental investors, 37D Short-Term Vacation Rental Financing may be a possible fit.
• For investors seeking better terms, cash out, or longer-term debt, 37D Real Estate Investor Refinance Options may be a possible fit.
• For operating businesses needing equipment, expansion, technology, inventory, or general operating capital, 37D Equipment, Expansion, and Operational Funding may be a possible fit.
• For businesses that need equipment, vehicles, machinery, technology, or business assets without paying the full cost upfront, 37D Equipment Leasing and Business Asset Leasing may be a possible fit.
• For businesses that already own equipment or other valuable assets and want to unlock cash while continuing to use those assets, 37D Sale-Leaseback / Reverse Leasing may be a possible fit.
• For established businesses, buyers, franchises, or owner-occupied commercial real estate needs, SBA or government-backed business loans may be a possible fit.
• For buyers acquiring an existing business, competitor, franchise, or professional practice, 37D Business Acquisition Financing may be a possible fit.
• For franchise buyers and operators, 37D Franchise Financing may be a possible fit.
• For owner-users and investors buying or refinancing commercial property, 37D Commercial Real Estate Financing may be a possible fit.
• For collateral-rich companies with receivables, inventory, equipment, or other assets, 37D Asset-Based Lending may be a possible fit.
• For retailers, wholesalers, distributors, importers, and e-commerce brands needing stock, 37D Inventory Financing may be a possible fit.
• For Amazon, Shopify, marketplace, and online businesses, 37D E-Commerce Funding may be a possible fit.
• For doctors, dentists, clinics, veterinary practices, med spas, and health businesses, 37D Medical Practice Financing may be a possible fit.
• For law firms, accounting firms, agencies, brokerages, and other service firms, 37D Professional Practice Financing may be a possible fit.
• For founders and early-stage companies, 37D Startup Funding Pathways may help identify realistic options.
• For companies eligible for government support, 37D Grant and Incentive Support may be a possible pathway.
• For technology, R&D, product development, and innovation businesses, 37D R&D and Innovation Financing may be a possible fit.
• For patent holders and IP-heavy companies, 37D IP-Backed / Patent-Backed Financing may be a possible niche pathway.
• For businesses with signed contracts needing capital to perform, 37D Contract Financing may be a possible fit.
• For trades and contractors managing projects, payroll, materials, and progress payments, 37D Construction Contractor Financing may be a possible fit.
• For vendors that want to help customers finance purchases, 37D Vendor Financing Programs may be a possible partnership model.
• For B2B customers needing point-of-sale business financing, 37D Customer Financing may be a possible fit.
• For businesses under payment pressure from expensive debt, 37D Debt Financing, Restructuring and Consolidation Funding may be a possible fit.
• For businesses needing funding support around tax obligations, 37D Tax Obligation Support Funding may be a possible fit, subject to advisor review and underwriting.
• For larger, special-situation, acquisition, real estate, or strategic opportunities, 37D Private Credit / Investor Capital Introductions may be a possible fit.

Your next step

Begin with the funding request. The team will review the context and confirm the appropriate application and documents.

Full Funding Application · F70001

For a detailed funding application, open form F70001. Review what to prepare and the next steps before continuing.