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 Traditional banks typically just disburse funds and check your credit score. At CRT Business Capital, we operate as a hybrid financial and corporate advisory firm. We believe that capital is only as good as the strategy behind it. When we fund a small business, we often pair that capital with MBA-level executive consulting, financial modeling, and operational blueprinting to ensure your business actually grows and succeeds. 

 We offer two main categories of financing:

• Small Business Lending: Short-to-medium-term working capital, inventory financing, and growth capital for startups and established SMEs.
• Consumer Micro-Lending: Rapid-approval personal loans specifically designated for high-demand purchases, such as premium electronics (laptops, smartphones) and travel expenses (airline tickets).

 While our consulting services are highly recommended to mitigate risk and accelerate growth, they are not strictly mandatory for every loan. We tailor our packages to your specific needs. However, startups or early-stage businesses may be required to undergo our Business Blueprinting process to qualify for funding, ensuring a solid foundation is in place. 

 Our consulting packages are comprehensive and designed to get you investor-ready or operational from day one. Services include drafting executive business plans, creating multi-year financial projections (cash flow, profit/loss), handling NUANS name searches and incorporation filings, and setting up professional accounting software like QuickBooks or Sage 50. 

 We pride ourselves on moving faster than traditional financial institutions. For consumer micro-loans, approvals can often be processed within 24 to 48 hours. For small business loans, the timeline depends on the complexity of your financial situation and whether you require our corporate structuring services, but we aim to provide initial decisions within a few business days. 

 We evaluate businesses holistically rather than just looking at a single credit score. We consider your industry experience, average monthly gross revenue, and the strength of your business plan. If your business is a brand-new startup, we lean heavily on the executive strategy and financial projections we help you build. 

We offer a 48-hour cooling-off period for approved loans, allowing you to cancel without penalty provided the funds have not yet been disbursed to you or a third-party vendor. For our executive consulting and corporate structuring services, any upfront deposits and third-party registration fees (like government incorporation fees) are non-refundable once work has commenced.