At some point along your journey as a business owner, you are most likely going to rely on borrowing capital whether from a bank or alternative lending source. For most business owners with bad credit or under 2 years time in business, their options for capital are slim. …


The difference between secured and unsecured business loans can be summed up in a single word: collateral.

Lenders want to be sure to get their money back therefore their highest priority is to make sure they mitigate their risk as much as possible. For a secured business loan, a borrower…


It’s no secret that every Small Business has its ups and downs, especially in an uncertain global economy. If a slow quarter crushed your credit score, it could affect your ability to get a business loan when you need additional capital to keep operations progressing.

Lenders use credit reports as…


One of the biggest challenges for new business owners and those with rough credit is qualifying for financing on the Heavy Equipment they need in order to hit the ground running or to expand their current operation and take on larger projects.

The unfortunate reality is that banks don’t want…


Frequently Asked Questions

1. Where can I submit a loan request?

Via e-mail to Joe@starcadecapital.com

2. Where do you offer financing?

In all 50 states.

3. What type of businesses do you finance?

It will vary depending on the loan program, but we have options for every industry. We do NOT offer venture capital, purchase order financing, or loans based on business plans/projections.

4. How much funding can I receive?

All loans are based on capacity of repayment, as shown through bank statements, tax returns, and/or credit history. We will always approve for the maximum possible amount, ranging from $20K to $5MM.

5. Are there any fees associated with your loans?

There are never any upfront application fees. For certain loans, there may be origination/processing fees which would be disclosed on a contract and only deducted after successful funding.

6. Do you conduct a hard or soft credit pull?

This varies depending on the loan type. Typically, a soft inquiry is done initially for a pre-approval. Once an offer has been accepted, a hard inquiry is done. In some cases, only soft inquiries (or no credit checks) are done..

7. Do you work with brokers/referral partners?

Yes, we do. Please contact Joe@starcadecapital.com for more information.


What is a Business Loan Broker?

A Business Loan Broker (Commercial Loan Broker) helps small business owners by arranging business financing through a network of business financing products and lenders and funders that the business loan broker has built a relationship with over time. Business loan brokers identify the need of small business owners and then…


A lot of factors including your credit score, past credit history, and debt to income ratio determine your credit worthiness and whether or not a bank feels comfortable enough to extend funding to you or your business.

Often times borrowers learn about their low credit score only after loan rejection…


To say that 2020 was a struggle for many Americans is an understatement to the highest degree. The pandemic itself has paralyzed many peoples ability to support their family and lead their lives the way they have been accustomed to. Though various businesses succeeded tremendously during the pandemic, a far…


An additional round of Paycheck Protection Program money has become available to Small Business owners with less than 500 employees.

Community financial institutions , approximately 10% of eligible lenders, will be able to start accepting loan applications immediately for entities seeking to secure their first PPP loans. Those same lenders…


Early 2020, just a few days after New Years day I got a call from a vendor. He eagerly expressed his concern to get one of his clients financing for a Grinder, a Loader, and a Trommel Screen totaling $392,000 all in.

Like most deals when you first hear about…

Joe Nicolosi

💰 I FUND small businesses 💎 working Capital up to $5,000,000 💥www.starcadecapital.com 💥/ Writer📝/ Deep Thinker🧠/Sports Card Investor🏀⚾️

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store