Nivira Capital is a business funding advisory firm. We learn your business, then match you with the right capital from our network of lending partners. $10K to $1M, across every industry.
Most lenders sell whatever they carry. We start from what you are trying to do, then match it to the structure that costs you least.
$50K to $500K
Funded on the owner's personal credit, not the business. No collateral, no revenue requirement and no time-in-business minimum, so startups qualify. Use it for anything.
Draw what you need, when you need it, and pay only on what you use.
Government-backed, with the best rates and longest terms. Worth the wait for strong files.
Approved on revenue rather than credit. Fast, but costlier, and we will say so.
For homeowners with built-up equity who want low rates and flexible access.
Fill out our secure pre-qualification form in under 5 minutes with no credit pull. A dedicated Funding Specialist reaches out to discuss your goals and request supporting documents (ID, tax returns, credit report). Once received, a pre-approval is sent to you within 1 to 3 business days.
With all documents in hand, your specialist reviews your profile against our network of public and private lending institutions to secure the most competitive offers available. You review the terms and choose what works best for your business.
Tell us which offer you want to move forward with and we help you lock it in. Lender approvals typically come through within 1 to 5 business days. Once approved, funds are deposited directly into your bank account.
*Actual timeline depends on how quickly supporting documents are provided by the client. Most clients are fully funded within 14 business days.
Your profile points toward the right product before anyone pulls credit. Here is how your specialist reads it.
680 or higher opens term loans, lines of credit and SBA. A co-signer at 680+ can help if you are just under.
Points to Term loans Lines of credit
Steady sales can fund you even when credit cannot. Approval is based on what comes into the account.
Points to Cash advance
Years of strong financials unlock the cheapest money there is. Brand new? Term loans have no minimum.
Points to SBA loans
Equity in a home you own can secure a line with some of the lowest rates available.
Points to HELOC
Credit not there yet? We will tell you honestly, and can point you to credit repair before you take on expensive money.
Most of the products we place carry no use restrictions. SBA and HELOC may have lender guidelines, and your specialist will flag them up front.
Funding approval is subject to lender qualifications and credit review. Rates, terms, and eligibility are determined by the lender, not by Nivira Capital.
It depends on the funding product and the lender. We review your profile and match you with the options that fit your situation. Pre-qualification has zero impact on your credit.
A Funding Specialist responds within 24 hours, and pre-approval typically follows within 1 to 3 business days of receiving your supporting documents. Most clients are fully funded within about 14 business days, depending on the lender and how quickly documents come in.
Requirements vary by funding product and lender. We'll review where your business stands and match you with options that fit, whether you're well established or just getting started.
Most business funding can be used for working capital, inventory, equipment, payroll, marketing, or expansion. The specifics depend on the product and lender, and your specialist will walk you through what each option allows.
No. Our pre-qualification process is a soft inquiry and has absolutely zero impact on your credit score. A hard pull only occurs once you've reviewed and accepted a funding offer from a lender.