Keelpark Capital Group, a small-business funding broker in Jackson, Tennessee, handles requests in four steps: the owner describes the need, Keelpark matches it to a funding type and lending partners, a partner underwrites and makes the credit decision, and the owner compares any offer by total cost before choosing. Keelpark is not a lender and does not set rates or terms.
Three parties, three jobs
| Party | Does | Does not |
|---|---|---|
| Your business | Explains the need, supplies records, decides whether to accept an offer | Have to accept any offer |
| Keelpark Capital Group | Matches the need to a funding type, prepares the request, introduces it to partners, explains offers | Lend, approve, decline or set prices |
| Lending partner or funder | Underwrites, makes the credit decision, sets rates, terms and conditions, signs the contract with you | Act on our behalf |
Keelpark Capital Group is a broker, not a lender.
Step 1: Tell us what the money is for
Call (731) 252-4018 or use the short online form. The first question is always the purpose: payroll while a contract pays out, a machine, stock, a fit-out. The second is how the business brings money in. Those two answers rule out most products before any credit is checked.
We will also ask how long the business has operated, roughly what it takes in each year, and what financing it already carries. You do not need to send bank statements at this stage.
Step 2: We match the need to a product and partners
We explain which funding types fit, how each would be repaid, and what partners usually ask for. If more than one type could work, we lay out the trade-offs. Then we introduce the request to lending partners that offer the chosen type. The six funding types compared shows the same reasoning in table form.
Step 3: A partner underwrites and decides
The partner reviews the request under its own standards. It may ask for bank statements, tax returns, financial statements, an equipment quote or an inventory list, and it will usually check business and personal credit. What happens during underwriting walks through that review.
How long it takes depends on the partner, the product and how complete the documents are. We cannot promise a timeline or an outcome, and the partner may decline.
Step 4: Compare the offer before you sign
If a partner makes an offer, you will see its amount, cost and terms. Read the whole agreement, not only the summary page. Check the payment schedule against your slowest month, ask what happens if you pay early, and look for covenants, personal guarantees and UCC filings. The covenants guide explains the conditions that often sit in the fine print. Accepting is always your decision.
APR, factor rate and total cost
Offers are not always priced in the same terms. A loan usually states an interest rate and sometimes an APR, which spreads interest and certain charges across a year. A merchant cash advance usually states a factor rate, a single multiplier that fixes the total to be remitted. The two cannot be compared directly.
The most reliable common measure is simple: the total amount you will pay back, minus the amount you actually receive, over the period you expect to pay. Then ask how that total changes if you pay early or if sales slow. The MCA vs. term loan calculator works out the advance and shows how to set a loan beside it.
Warning signs in any funding offer
- A promise of approval, or of a particular amount or rate, before anyone has reviewed the business
- Pressure to sign right away, before you have read the whole agreement
- Requests to send bank login details or a Social Security number by ordinary email or text
- A merchant cash advance described as a loan, or an offer that will not state the total to be remitted
- Blank fields in a contract, or terms that differ from what you were told on the phone
If any of these appear, stop and ask questions. Our disclosures set out what Keelpark Capital Group does and does not do.
By Keelpark Capital Group · Updated