Funding nationwide in all fifty states.
From merchant cash advances to invoice factoring, CBC structures funding around your cash flow — not the other way around.
Restaurants & Retail
Storefronts & Service
Working capital against your future card sales. Repayments automatically flex with your daily revenue — no fixed monthly obligations.
Apply now →A revolving facility you draw from as needed. Pay interest only on what you use — ideal for seasonal gaps and fast-moving opportunities.
Apply now →Fixed-term financing for expansion, equipment, or large capital needs. Transparent terms, fixed rate, no hidden fees.
Apply now →Turn outstanding invoices into immediate cash. We advance up to 90% of your receivables so you stop waiting on slow-paying clients.
Apply now →When you bring your business to CBC, we don't just have one answer — we have an entire network of direct lending partners behind us. We assess your business, match you to the right product and lender, and structure a deal that actually fits. You get one point of contact, one streamlined process, and access to capital most businesses never even knew they could qualify for.
"We don't send your application to one lender and hope. We match you to the right partner from a vetted network built over a decade — so you get the best possible terms for your situation."
The CBC Approach to Business Funding
CBC works as an originating partner, connecting businesses to the right lender within our network. All funding is subject to lender approval and underwriting. Products and availability vary by business type, revenue, and credit profile.
Tell us about your business and we'll match you to the right product. No obligation, no hard credit pull — just a straightforward conversation about what you need and what you qualify for.
A member of our business funding team will reach out within one business day.
CBC works alongside producers, sales agents, and distributors to structure film financing that closes on schedule.
Bridge the gap between your confirmed presales and total production budget — structured against unsold territory value.
Discuss your project →Short-term facilities covering timing gaps between commitments in place and cash not yet received. Keep your shoot date intact.
Discuss your project →Early-stage funding for scripts, packaging, and pre-production costs before a full production slate is in place.
Discuss your project →Finish funds for picture-locked or near-complete projects — advance against distribution agreements and soft money.
Discuss your project →CBC's film financing is backed by direct lending capital — deployed from a balance sheet built specifically for the entertainment industry. We work with producers, sales agents, and distributors to structure deals around the assets your production already has.
"Tax incentives and pre-sale contracts are the most underutilized assets in a film's capital stack."
Industry Insight — Film Finance
Qualifying projects typically require confirmed state or federal tax incentives, international pre-sales, or a domestic minimum guarantee from a recognized distributor. All film financing is subject to underwriting and approval.
Bring us your project. We work with independent producers, sales agents, and distributors to structure financing around your existing assets — tax credits, pre-sales, or distribution guarantees.
Our film finance team will review your submission and be in touch within two business days.
Fill out our contact form in under 5 minutes. Tell us about your business or project and what you need capital for.
A real member of our team reviews your submission within one business day and reaches out to discuss your options.
Once approved, funds can be in your account in as little as 24–72 hours. No unnecessary delays. No surprises.
Enter your average monthly revenue and we'll show your estimated funding range.
Estimated Funding Range
Based on 80%–110% of your $50,000 monthly revenue.
"We don't just provide capital. We provide it with intention."
Conscious Business Capital was founded on a simple idea: that lending should be a partnership, not a transaction. We work with small business owners and independent filmmakers who are doing meaningful work — and we structure financing that respects both their ambitions and their realities.
With more than a decade of experience across two distinct industries, CBC has developed the expertise to move quickly, structure creatively, and close on time. We don't just ask about your numbers. We ask about your goals.
"We built CBC to be the firm we wished existed when we were starting out."
Co-founder of CBC with over 15 years in commercial finance. Tim leads client relationships and funding strategy across every deal we touch.
Alex drives CBC's growth and lender partnerships. His background in structured finance helps clients secure capital that banks consistently overlook.
"Speed, structure, and relationships — that's the CBC difference every client feels."
We measure success by what our clients are able to build with the capital we provide.
CBC didn't just hand us money and walk away. They took the time to understand our restaurant, our seasonality, and our growth plan. We expanded to a second location within eight months of funding.
I've been trying to get my independent film financed for three years. Banks said no. Traditional investors wanted too much control. CBC structured a deal that let us retain creative ownership and close in under 30 days.
My credit score wasn't perfect and my salon had only been open 18 months. Every lender I called turned me down before I even finished my sentence. CBC listened, looked at my actual revenue, and funded me in 5 days.
We needed capital fast to fulfill a large government contract. The bank would have taken 60 days. CBC had us funded in 9 business days. That speed literally saved our company.
What I appreciate most is that CBC treats you like a partner, not a file number. They called to check in after funding. That kind of relationship is rare in finance.
Our e-commerce brand had the sales numbers but not the collateral traditional lenders require. CBC looked at our data, understood our model, and provided a revenue-based solution that scaled with us.
Not all capital is equal. See how Conscious Business Capital compares.
| ✦ CBC | Traditional Bank | Other Lenders | |
|---|---|---|---|
| Funding Speed | As fast as 24–72 hrs | 30–90 days | 1–2 weeks |
| Minimum Credit Score | 500+ | 680+ | 550+ |
| Collateral Required | ✓ Not always | ✗ Almost always | ~ Sometimes |
| Revenue-Based Options | ✓ Yes | ✗ No | ~ Limited |
| Film Financing | ✓ Specialized | ✗ No | ✗ Rarely |
| Dedicated Advisor | ✓ Every client | ✗ No | ~ Sometimes |
| Funding Amount Range | $5K – $5M+ | $50K+ (typical) | $5K – $500K |
| Time in Business Required | As low as 6 months | 2+ years | 1+ year |
We believe in full transparency. If you don't see your question here, call or email us — a real person will answer.
Talk to an advisor →Most small business clients receive funding within 24–72 business hours of approval. More complex deals or larger film financing may take 5–15 business days. We move at the speed your business needs.
No. Our pre-qualification process uses a soft pull that has zero impact on your personal or business credit score. A hard pull only occurs if you choose to proceed with a formal application after reviewing your offer.
We work with credit scores as low as 500 for certain products like merchant cash advances. A score of 680+ opens the door to term loans with longer repayment windows and lower factor rates. We look at the full picture of your business, not just a number.
Small business funding typically ranges from $5,000 to $2M+, based primarily on your monthly revenue — most clients qualify for 80%–110% of their average monthly. Film financing deals range from $50,000 to $5M+ depending on budget, distribution, and presales.
For small business funding: 3–6 months of bank statements, a voided business check, and a completed application. For film financing: a script or treatment, budget breakdown, chain of title, and any existing distribution letters of intent. We keep paperwork minimal.
We consider businesses with as little as 6 months of operating history for certain products. If you're pre-revenue or pre-launch, we may still be able to help depending on your industry and personal financial profile — reach out and we'll assess your situation directly.
It depends on the product. Merchant cash advances typically have no prepayment penalty — you pay a fixed total amount regardless of payoff timing. Term loans may include early payoff discounts. We'll explain the full terms of your specific offer before you sign anything.
Insights to help your business grow smarter, borrow better, and move faster.
Tell us about your business or project. We'll respond within one business day.
Phone
Office Hours
Monday – Friday
9am – 6pm ET
We'll be in touch within one business day.
Conscious Business Capital, Inc. ("CBC," "we," "us," or "our") is a commercial finance broker headquartered in New York, NY. This Privacy Policy explains how we collect, use, disclose, and protect information you provide when you visit our website, submit a funding inquiry, or engage with our services.
Personal Identifiers: Name, email address, phone number, mailing address, and business name submitted through our contact or application forms.
Business & Financial Information: Monthly revenue, time in business, industry type, credit score range, and other details necessary to match you with appropriate funding products.
Technical Data: IP address, browser type, device information, and pages visited, collected automatically via cookies and analytics tools.
Communications: Records of emails, phone calls, or messages you send to us.
We use the information we collect to:
As a commercial finance broker, CBC submits your application information to funding partners and direct lenders in our network for the purpose of obtaining financing offers. By submitting an application, you authorize CBC to share your business and financial information with these third-party lenders.
We do not sell your personal information to unaffiliated third parties for their marketing purposes. We may share information with:
CBC operates as an originating broker for merchant cash advance (MCA) products. MCAs are commercial transactions, not loans, and are not subject to consumer lending laws. Information submitted in connection with an MCA application will be shared with MCA providers and may be subject to their individual privacy practices. We recommend reviewing the privacy policy of any funding provider before executing a funding agreement.
We use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand how visitors interact with our content. You may disable cookies in your browser settings; however, some features of our site may not function properly without them.
CBC implements reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet is 100% secure. You provide information at your own risk.
We retain your information for as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application records may be retained for up to seven (7) years in accordance with standard commercial finance recordkeeping practices.
Depending on your state of residence, you may have the right to access, correct, or request deletion of your personal information. To exercise any of these rights, contact us at info@consciousbusinesscap.com. We will respond within the timeframe required by applicable law.
Our services are intended for business owners and industry professionals aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18.
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our website following the posting of changes constitutes your acceptance of the revised Policy.
Conscious Business Capital, Inc.
New York, NY
Phone: (917) 341-4900
Email: info@consciousbusinesscap.com
By accessing or using the website of Conscious Business Capital, Inc. ("CBC," "we," "us," or "our") located at consciousbusinesscap.com, or by submitting any inquiry or application through our platform, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use our website or services.
CBC is a commercial finance broker. We do not directly lend money. Our services consist of evaluating your business profile, matching you with appropriate funding products, and facilitating introductions between you and third-party lenders and funding providers. Any funding agreement you enter into will be directly with the relevant lender or MCA provider, not with CBC.
CBC earns a broker fee or commission paid by the funding provider upon successful placement of funding. This fee does not increase the cost to you as the merchant or business owner.
Our services are available exclusively to business owners and authorized representatives of legally operating business entities. By submitting an application, you represent that:
Submission of an application through CBC does not guarantee approval or funding. All funding decisions are made by the applicable lender or MCA provider based on their underwriting criteria. CBC makes no representations or warranties regarding your likelihood of approval, the terms you will be offered, or the timing of funding.
Merchant cash advances (MCAs) are commercial transactions involving the purchase of future receivables. They are not loans and are not subject to state usury laws or federal consumer lending regulations. MCAs involve a factor rate, not an interest rate, and the total repayment amount is fixed at the time of agreement regardless of how quickly repayment occurs. You should carefully review all MCA agreements with qualified legal and financial advisors before signing.
By submitting an application through CBC, you expressly authorize CBC and its lending partners to:
You agree to provide accurate, truthful, and complete information in all applications and communications with CBC. Submitting false, fraudulent, or misleading information may constitute fraud under applicable law and may result in immediate termination of our relationship and referral to appropriate authorities.
All content on this website — including text, graphics, logos, images, and software — is the property of Conscious Business Capital, Inc. and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this site without our express written permission.
To the maximum extent permitted by law, CBC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our website or services, including but not limited to loss of revenue, loss of profits, or loss of business opportunity. CBC's total liability to you for any claim shall not exceed the amount of any fees paid by you to CBC, if any.
This website and all services are provided "as is" and "as available" without any warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. CBC does not warrant that the website will be error-free, uninterrupted, or free of viruses or other harmful components.
Our website may contain links to third-party websites. These links are provided for your convenience only. CBC does not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party site. Your use of third-party sites is at your own risk.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in New York County, New York, and you consent to personal jurisdiction in those courts.
CBC reserves the right to modify these Terms at any time. Changes will be effective upon posting to this website. Your continued use of our website or services following any changes constitutes your acceptance of the revised Terms.
Conscious Business Capital, Inc.
New York, NY
Phone: (917) 341-4900
Email: info@consciousbusinesscap.com
Most business owners assume their credit score is the deciding factor when applying for capital. The truth is, lenders — especially alternative lenders and MCA providers — look at a much broader picture. Here are five factors that often matter more than your score.
Your average monthly revenue tells lenders how much cash is flowing through your business. For merchant cash advances and revenue-based financing, this is typically the primary underwriting factor. Consistent revenue of $15,000–$25,000/month or more opens doors that credit scores alone cannot.
Longevity matters. A business that has been operating for 12–24 months demonstrates stability and resilience. Many alternative lenders require a minimum of 6 months in operation, but 12+ months significantly improves your options and the quality of terms you'll receive.
Some industries are considered higher risk than others — restaurants, retail, and entertainment may face higher factor rates than healthcare, construction, or professional services. Understanding how your industry is perceived helps you set realistic expectations and choose the right funding product.
Lenders closely review 3–6 months of business bank statements. They look for consistent deposits, low rates of non-sufficient funds (NSFs), positive average daily balances, and the absence of other outstanding merchant cash advances. Clean bank statements can compensate for a lower credit score in many cases.
If you already have outstanding advances or loans, lenders will assess your debt service coverage — whether your revenue can comfortably support another payment. Multiple stacked positions can reduce your eligibility or result in less favorable terms.
At Conscious Business Capital, we look at your full business profile — not just a three-digit number. If you've been turned down by traditional lenders, we may still be able to structure a solution that works. Contact us to find out what you qualify for today.
Independent film financing is one of the most complex capital structures in any industry. Unlike a business loan or a merchant cash advance, film financing often layers multiple sources of capital — each with its own terms, priority, and risk profile. Here's what you need to know before walking into any conversation with a funder.
Gap financing bridges the difference between what a production has already secured (through pre-sales, equity, or grants) and what it actually needs to complete the film. Lenders who offer gap financing are betting on the value of unsold distribution rights. It's typically short-term, interest-bearing debt that gets repaid once distribution deals are executed.
A pre-sale is when a distributor agrees to purchase the rights to distribute a film in a specific territory before the film is complete — or even before production begins. These agreements can be used as collateral to secure financing. The strength of a pre-sale depends heavily on the distributor's creditworthiness and the territory's market value.
Soft money refers to non-repayable funds — grants, tax incentives, and rebates provided by governments, film commissions, and cultural institutions. Many productions leverage state and international tax credits to reduce their actual cash requirement. This can significantly improve a film's financing structure and make it more attractive to other investors.
Equity investors put capital into a film in exchange for a share of the profits — after the film recoups its budget and any prior obligations are satisfied. Equity is the highest-risk position in a film's capital stack, which is why investors typically require a larger return multiple and creative input rights.
Conscious Business Capital specializes in helping independent filmmakers navigate this complexity. We structure financing solutions that respect your creative control, work within your production timeline, and are built around your specific project — not a generic template. Whether you're pre-production, in production, or post, we can discuss what a funding partnership looks like. Learn more about our film financing services.
Two of the most common business funding products are merchant cash advances (MCAs) and term loans — but they work in very different ways. Choosing the wrong one can cost you money and create unnecessary cash flow stress. Here's how to think about which is right for your situation.
A merchant cash advance is not a loan. It's the purchase of a portion of your future receivables at a discount. Instead of a fixed monthly payment, you repay through a daily or weekly percentage of your revenue — called a holdback rate, typically 10–20%. Because repayment flexes with your sales, MCAs are well-suited to businesses with variable or seasonal revenue.
Best for: Restaurants, retail, service businesses, and any company that needs fast access to capital without fixed monthly obligations.
A business term loan provides a lump sum of capital repaid over a fixed schedule — typically monthly — with a set interest rate. Term loans are more structured, often require stronger credit profiles and documentation, and take longer to fund. But they typically carry lower total cost of capital than MCAs.
Best for: Established businesses with strong credit, predictable revenue, and a specific capital need — equipment purchase, real estate, or long-term expansion.
Speed: MCAs fund in 24–72 hours. Term loans typically take 2–8 weeks.
Credit Requirements: MCAs start at 500+. Term loans generally require 650+.
Repayment: MCAs use a factor rate (e.g., 1.25–1.49). Term loans use an interest rate (e.g., 7–25% APR).
Collateral: MCAs are typically unsecured. Term loans may require collateral.
Flexibility: MCAs adjust with revenue. Term loans are fixed.
If you need capital quickly, have strong monthly revenue, and can absorb a daily or weekly holdback — an MCA is likely the right tool. If you have time, strong financials, and a specific long-term investment to make — a term loan may cost you less overall.
The best answer depends on your specific situation. At CBC, we evaluate both options for every client and recommend the structure that makes the most sense — not the one that earns us the highest commission. Talk to our team and we'll help you decide.
It takes less than 5 minutes to see what you qualify for. No hard credit pull. No obligation. Just a straightforward conversation about your goals.
