Financing that works
| you,
not against you
Fast capital. Fair terms. No surprises.
We focus on where you're going, not just where you've been.
Speed
Funding in days, not weeks.
Partnership
We grow when you grow.
Transparency
No hidden fees. No surprises.
Every business faces the same challenge
Whether you're bridging a cash flow gap, funding your next growth opportunity, or acquiring the equipment you need to compete—traditional banks move too slowly, and predatory lenders move too fast with too many strings attached.
You need a financial partner who moves at your speed, with terms you can understand, and a relationship that focuses on your future.
Take the contract. Make payroll. Buy the equipment. Seize the opportunity.
Get a Quote FastA financial partner that actually works with you
We built Sanctorum Capital on three principles that set us apart
2-5 Days to Funding
From application to funding, we move at the speed of your opportunities. Preliminary decisions within 24 hours.
Learn about our processForward-Looking Partnership
We have vision. We focus on where you're going, not just where you've been. Flexible structures that adapt to your needs.
See how we partnerClear Terms, No Hidden Fees
Know exactly what you're getting into. Upfront fee disclosure, plain-language agreements, no surprises.
View our transparency promiseGet customized financing for your business
From working capital to equipment acquisition, get financing tailored to your specific needs.
Invoice Factoring
Don't wait 30-90 days for customer payments. Get cash for your outstanding invoices in 2-5 days.
Best for: B2B companies with creditworthy customers, manufacturers, distributors
Learn About Invoice FactoringAsset-Based Lending
Use your receivables, inventory, and equipment as collateral for flexible credit lines that scale with your business.
Best for: Growing manufacturers, distributors, companies with significant assets
Learn About Asset-Based LendingPurchase Order Financing
Won a contract but need capital to fulfill it? We fund the production so you can say yes to profitable opportunities.
Best for: Product businesses, manufacturers, distributors, wholesalers
Learn About PO FinancingAR Financing
Access capital as you generate invoices. Revolving credit that moves with your business cycle.
Best for: B2B companies with consistent receivables, service businesses
Learn About AR FinancingGovernment Contractor Financing
Mobilize contracts, manage payment delays, and handle retainage without cash flow strain.
Best for: Prime contractors, subcontractors, companies with GSA schedules
Learn About Gov Contractor FinancingEquipment Leasing & Financing
Preserve working capital while getting the equipment, vehicles, or technology your business needs.
Best for: All industries needing equipment, vehicles, technology, machinery
Learn About Equipment FinancingDoes this sound familiar?
If any of these situations describe your business, let's talk about how we can help.
Timing Challenges
When cash flow doesn't match your business cycle
- Facing a cash flow timing gap between production costs and customer payment?
- Stuck between paying vendors and making payroll?
- Need to fund a large order but can't wait 60-90 days for customer payment?
- Could you secure a sizable discount from your vendor if you pay upfront?
Growth Obstacles
When opportunity outpaces your capital
- Growing faster than your bank can keep up with?
- Turning down profitable contracts because you lack working capital?
- Won a government contract but need capital to mobilize or manage retainage?
- Need equipment, vehicles, or technology but want to preserve working capital?
Partnership Needs
When you need more than just a lender
- Looking to scale but need flexible capital that grows with you?
- Ready to move beyond traditional banks but wary of predatory lenders?
- Looking for a long-term partner who will grow with you?
- Want a capital partner who focuses on your future, not just your past?
✓ If you answered yes to any of these, we can probably help.
Industries we serve
We understand the unique cash flow challenges facing these industries
Manufacturing
Bridge the gap between production costs and customer payment
Staffing Agencies
Fund weekly payroll while waiting for client payments
Distributors
Finance inventory without draining working capital
Government Contractors
Fund contract performance and navigate payment delays
Construction
Mobilize projects and manage retainage
Business Services
Manage project-based cash flow cycles
Healthcare Services
Bridge insurance and client payment timing
Transportation & Logistics
Finance operations between delivery and payment
From application to funding in days, not weeks
Quick Application
Submit your online application and tell us about your business. Most applications take 10-15 minutes.
Personal Review
Senior staff reviews your application—not an algorithm. We'll typically contact you within 24 hours.
Fast Decision
We'll tell you exactly what we can do, what it costs, and when you'll have your money.
Quick Funding
Most clients funded within 2-5 days. Fast access to capital when you need it, not when it's too late.
Typical financing scenarios
Examples of how companies alternative financing to bridge gaps and fund growth
Precision parts manufacturer
Won largest contract but needed $500K to fund production before customer payment
Outcome: Fulfilled contract, secured 3 follow-on orders
Funded in 4 days
Healthcare staffing startup
Needed to fund weekly payroll while waiting 60 days for client payments
Outcome: Launched successfully, expanded to major markets
Funded in 3 days
Federal equipment supplier
Awarded government contract but needed upfront capital for equipment
Outcome: Fulfilled federal contract on time
Funded in 5 days
Food importer and distributor
Secured major order from cruise line, needed inventory and working capital
Outcome: Met international client demand
Funded in 1 week
Commercial contractor
Needed to mobilize large project while managing retainage
Outcome: Completed project, strengthened cash flow
Funded in 3 days
Architectural consulting firm
First major federal contract required significant upfront capital
Outcome: Delivered Coast Guard contract successfully
Funded in 5 days
*Examples represent typical working capital scenarios. Actual terms, amounts, and timelines vary based on individual circumstances.
Common questions
Most clients are funded within 2-5 days from completed application. We make preliminary decisions the same day and move as fast as your documentation allows. Equipment financing may take slightly longer depending on equipment type and vendor requirements.
Our rates depend on your specific situation—industry, solution type, customer creditworthiness, volume, and terms. We provide upfront disclosure with no hidden fees. We'll show you exactly what you'll pay before you commit.
We work with businesses of various sizes. Minimum transaction sizes vary by solution type. We fund $50k-$20M facilities. For equipment financing, minimums depend on equipment value. Let's talk about your specific needs.
Banks lend against your history and require extensive collateral, covenants, and lengthy approval processes. We provide flexible financing based on your receivables, assets, contracts, or equipment needs—with faster decisions and more adaptable structures.
We look at different criteria than banks. We focus on your customers' creditworthiness, your business potential, contract strength, and asset value—not just your credit history. Many of our clients were declined by banks before working with us.
Yes. We specialize in government contractor financing, including mobilization funding, progress payment gaps, and retainage management. We understand Assignment of Claims (AoC), federal payment timing, and work with both prime contractors and subcontractors.
Transparency. We provide upfront fee disclosure, plain-language agreements, and honest conversations about whether we're a fit. No bait-and-switch pricing, no hidden fees, no predatory terms. We're a financial partner, not a transaction processor.
Ready to get the financing you need?
Whether you're bridging a cash flow gap, funding your next growth opportunity, acquiring equipment, or mobilizing a government contract—we can help.
No obligation. No pressure. Just straight talk about what we can do for your business.