Dynamic Capital provides revenue-based financing and business lines of credit up to $5M for small businesses, with funding decisions in under 5 minutes and cash delivery within 24 hours.
Editorially reviewed by Harvey Brooks
Dynamic Capital was founded in 2013 by Steven Edisis to address gaps in traditional small business lending. The company operates as an independent lender handling underwriting and funding in-house, positioning itself as an alternative to banks for businesses that may be overlooked by traditional financial institutions. With over 14,000 small businesses funded and $500M in total business financing deployed since 2016, Dynamic Capital has established itself as a meaningful player in the alternative business lending space.
The company offers two primary financing products: Revenue-Based Financing, where capital is provided based on future sales with no collateral required and flexible payments that adjust to business revenue, and Business Lines of Credit, which provide flexible access to funds up to a credit limit with interest charged only on drawn amounts. Both products emphasize speed—pre-qualification takes under 5 minutes, funding decisions are fast, and cash typically reaches borrowers' bank accounts within 24 hours. The company serves businesses across multiple languages (English, Spanish, Portuguese, Creole) and maintains customer service availability Monday-Friday 9AM-8PM EST and Saturday 9AM-5PM EST.
Dynamic Capital distinguishes itself through several operational advantages: a 4.8/5 Google rating based on hundreds of five-star reviews, same-day or next-day funding capability, unsecured lending (no collateral required for revenue-based financing), and a stated commitment to "speed you can rely on" with transparent pre-qualification processes. The company names specific team members in customer testimonials (Luke Knable, Paul Asencio, Joe Petri, Jose Contreras, Jerry Gutierrez, Jerry Jones), suggesting established client relationships. Their core values emphasize trust, reliability, empowerment, and growth.
However, potential borrowers should note that the website provides limited information about actual terms, rates, repayment structures, or eligibility criteria. Revenue-based financing typically involves percentage-of-revenue repayment models that can result in higher total repayment than traditional loans, though exact terms are not disclosed. The company does not publicly disclose whether they perform hard credit pulls, minimum credit score requirements, or specific industry restrictions. While customer reviews are overwhelmingly positive, the lack of transparent pricing and terms requires direct contact before commitment.
Yes. Dynamic Capital is a registered company headquartered in 333 SE 2nd Ave Suite 2000, Miami, FL 33131. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Dynamic Capital is best for established small businesses with consistent revenue seeking fast, flexible financing without collateral requirements. The primary caveat is that actual terms, rates, and fees are not disclosed online—borrowers must contact the company directly to understand total costs, and revenue-based financing structures typically result in higher total repayment than traditional term loans despite the speed and flexibility advantage.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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