Built by operators, for operators

Capital that moves as fast as you do.

We started Core Capital Lenders because the traditional lending process wasn't built for the people actually running businesses. Since 2018, we've built a smarter, faster, more transparent way to fund growth.

The Core Capital Lenders team

2018

Founded

$2.5B+

Funded to Date

50,000+

Businesses Served

98%

Client Satisfaction

Our Story

From frustration to solution

Founded by entrepreneurs who lived through the old way of getting a business loan — and decided it wasn't good enough.

Core Capital Lenders was born from the founders' firsthand experience with traditional lending: lengthy applications, unclear terms, and months of waiting for a yes or no.

In 2018, we set out to build something different. We combined modern underwriting technology with real human advisors to deliver faster, clearer, more honest decisions for small and mid-sized businesses.

Today, we've funded over $2.5 billion to more than 50,000 businesses across the country — from restaurants and trucking companies to software startups and medical practices. Every business is different. We're proud to be part of all of them.

Milestones

2018 — Core Capital Lenders launches with $10M in committed capital.
2019 — $100M funded, 1,000 businesses served.
2021 — Expanded to all 50 states; equipment financing launched.
2023 — Crossed $2B funded; rolled out AI-assisted underwriting.
2024 — Merchant cash advance added; 50,000+ clients milestone.
Business growth
Mission & Values

What drives every decision

We don't treat financing like a transaction. We treat it like a relationship that has to earn its keep every year.

Our Mission

To democratize access to business capital with financing that's fast, transparent, and flexible — so entrepreneurs can focus on building what they care about.

Transparency

Every rate, fee, and term is disclosed up front. No surprises, no fine-print gotchas, no hidden add-ons.

Speed

Time costs money in business. We make decisions in hours — not weeks — without cutting corners on diligence.

Empathy

We've run businesses ourselves. We know what it feels like to need a yes. We treat every client like a partner.

Integrity

We do the right thing — especially when nobody's looking. Reputation is the only asset we can't replace.

Innovation

We invest in the tech and processes that make lending faster and fairer — without losing the human touch.

Community

Small businesses are the backbone of the economy. Helping them grow is why we show up to work.

Leadership

The team behind the work

Decades of combined experience in banking, risk, technology, and operations — focused on one thing.

MJ

Michael Johnson

CEO & Co-Founder

Former Goldman Sachs investment banker with 15+ years in financial services. Drives our commitment to transparent, technology-enabled lending.

SC

Sarah Chen

CTO & Co-Founder

Former Silicon Valley tech executive and serial entrepreneur. Leads technology innovation and product development.

RG

Robert Garcia

Chief Risk Officer

20+ years of risk management at major financial institutions. Ensures our underwriting is both innovative and responsible.

LA

Lisa Anderson

Head of Operations

Operations leader with deep experience scaling fintech companies. Oversees client experience and operational excellence.

What Sets Us Apart

A technology-first approach — with a human at the other end

Speed comes from software. Judgment comes from people. We built for both.

Technology and service
  • AI-assisted underwriting. Hundreds of signals analyzed in seconds for faster, fairer decisions.
  • Seamless digital experience. From application to funding, entirely online — no branch visits, no paper.
  • Real-time visibility. Log in any time to see application status, payment schedule, and balances.
  • Bank-grade security. 256-bit encryption, SOC-2 aligned processes, and continuous monitoring.
  • One point of contact. Your funding specialist stays with you through close and beyond.
Recognition

Industry awards & recognition

We're proud of the work — and humbled when others notice it.

Fintech Company of the Year

American Business Awards 2024

Recognized for innovation in small-business lending.

Best Business Lender

Small Business Finance Magazine 2024

Voted best business lender for rates and service.

Top 100 Fintech

Forbes 2023

Listed among the most innovative fintech companies.

Excellence in Customer Service

Business Finance Association 2023

Honored for client support and satisfaction ratings.

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