Funding Built on Integrity
Fast, flexible merchant cash advances for small businesses. We believe in honest partnerships and serving the communities that drive our economy forward.
Years of Service
Businesses Funded
Total Funded
Avg. Funding Time
Built on Values, Driven by Purpose
Baptist Capital was founded on a simple principle: small businesses deserve a funding partner that treats them with dignity, honesty, and genuine care. We're not just a lender—we're stewards of your trust.
With over a decade of experience, we've helped thousands of business owners access the capital they need to grow, hire, and thrive. Our commitment to transparency means no hidden fees, no surprises—just a partner who keeps their word.
The Principles That Guide Us
Integrity
Every decision guided by honesty and transparency. We do what we say, every time.
Partnership
Your success is our success. We walk alongside you through every stage of growth.
Service
Dedicated to serving small businesses with genuine care and attention to their unique needs.
Stewardship
Responsible management of resources, helping you make wise financial decisions for the future.
Excellence
Setting the highest standard in everything we do, from customer service to funding solutions.
Community
Strengthening the businesses that form the backbone of our neighborhoods and towns.
How It Works
We've simplified the funding process because we believe your time is valuable. Four simple steps stand between you and the capital your business needs.
Simple Application
Fill out our straightforward application in minutes. No complex paperwork, no hassle—just the essentials we need to understand your business.
Quick Review
Our experienced team reviews your application within hours, not weeks. We look at the full picture of your business, not just a credit score.
Transparent Approval
Receive a clear, honest offer with straightforward terms. No hidden fees, no confusing language—just an offer you can understand and trust.
Fast Funding
Once approved, funds can be deposited as fast as 24 hours. Get the capital flowing so you can focus on what matters—growing your business.
The Baptist Capital Difference
Fast Funding
Get capital in as little as 24 hours. We respect your urgency and move quickly to meet your needs.
No Collateral Required
Your future sales are your leverage, not your personal assets. No liens on your property or equipment.
Flexible Repayment
Repayments adjust with your revenue. When business is slower, your payments are smaller.
Simple Process
Minimal paperwork and a straightforward application. We value your time as much as you do.
Dedicated Support
A real person who knows your name and your business. Not a call center—a true partner.
Growth Focused
We invest in your growth potential. Even businesses with imperfect credit deserve a chance to thrive.
Been Burned by an MCA?
We're Here to Help.
Too many small businesses fall victim to predatory merchant cash advance companies—trapped in cycles of unfair debt with nowhere to turn. Baptist Capital is different. We specialize in helping businesses recover from MCA scams, settle existing debts, and provide fresh working capital so your business can grow again.
We are NOT a debt consolidation company. We are a funding partner that helps businesses burdened by $0 to $450K in MCA advances. We invest in your company to help you grow through tough times—especially when you've been taken advantage of by predatory MCA lenders.
We Assess Your Situation
Our team reviews your existing MCA agreements to identify predatory terms, hidden fees, and unfair practices that are holding your business back.
We Negotiate & Settle
We work directly with your previous MCA providers to negotiate settlements and reduce the burden of unfair debt—so you can move forward.
We Invest in Your Growth
We provide $0 to $450K in fresh working capital on fair, transparent terms—real funding to help your business grow through tough times, not just survive.
A Partner, Not a Predator
We stay by your side with honest guidance and continued support. No hidden fees, no stacking, no traps—just a true partnership built on trust.
“I was drowning in payments to a predatory MCA company that had taken advantage of me. Baptist Capital stepped in, settled my debt for a fraction of what I owed, and gave me the fresh start my restaurant needed. I finally feel like I can breathe again.”
Trusted by Thousands of Business Owners
Real stories from real business owners who found a partner they could trust.
“Baptist Capital treated me like a partner, not just a number. When I needed to expand my bakery to a second location, they moved fast and kept their word on every detail. The transparency was refreshing—I always knew exactly where I stood.”
Maria Gonzalez
La Casa Bakery & Café
Funded: $85,000
Frequently Asked Questions
Honest answers to the questions that matter most. If you don't see your question here, don't hesitate to reach out.
Apply for Funding
Complete the form below and a member of our team will review your application and reach out within one business day. Your information is always kept confidential.
We're Here to Help
Have questions about merchant cash advances or want to discuss your funding options? Our team is ready to listen and guide you.
Contact Information
Built on trust. Driven by service.