Capital built to last as long as your business.
Longevity Capital exists to give small business owners straight answers and real options — in the language they are most comfortable doing business in.
Funding should be easy to understand
Too many owners sign financing they do not fully understand — hidden fees, factor rates presented like interest rates, and contracts that only come in English.
We started Longevity Capital to do it differently. We sit on your side of the table: we review your business, compare options from our network of funding partners, and explain the real cost of each one before you commit to anything.
A large share of the businesses we serve are Hispanic-owned — restaurants, contractors, trucking companies, retailers and service businesses that are the backbone of their communities. Our advisors speak English and Spanish, so nothing gets lost in translation.
The name says what we are after: long relationships, not one-time deals. When your business grows, we want to be the first call you make.
What we commit to
- Every offer states total repayment in dollars, in writing
- No application fees, ever
- We recommend the option that fits — even when it pays us less
- We will not stack financing onto a business that cannot carry it
- We disclose when a product is originated by a funding partner
- A dedicated advisor with a direct line, in English or Spanish
- A clear reason if we cannot help, plus a path forward where one exists
Your business, in your language
From the first call to the final signature, you can work with us entirely in Spanish. Applications, explanations and support — whichever language you prefer.
Bilingual advisors
Talk through your options with someone who understands your business and your language.
Clear explanations
We walk through every number on your offer — payment, term and total cost — before you sign.
Community first
We work with the family businesses, contractors and entrepreneurs that keep neighborhoods running.
How we decide things
The number goes in writing
If we cannot state what you will repay in plain dollars, the offer is not ready. Rates without totals are marketing, not disclosure.
The right product, not the biggest
If a term loan or line of credit costs you less than an advance, that is what we will recommend.
No is a real answer
If more financing would hurt your cash flow, we will tell you — and show you what to fix so you qualify for better terms later.
Regulatory posture
Small business financing is regulated unevenly across states, and that is changing quickly — California, New York, Utah, Virginia and others now require commercial financing disclosures that look much like consumer lending rules.
We support that direction. Where a state requires a specific disclosure format, you receive it in that format — and we explain it in plain English or Spanish.
Transparency is the whole point
Clear disclosure is not a box we check; it is the reason we exist.
Longevity Capital provides commercial financing to business entities only. We do not make consumer loans. Certain products are originated by third-party funding partners, and where we receive compensation for a referral, that is disclosed to you in writing before you sign.
Work with a funder that shows the math
Ten minutes to apply. No fee, no obligation, no credit impact.