When you can't say yes, don't send them away with a no.
Outside your credit box, too new, too small, collateral, concentration: some good businesses just don't fit today. Send them to us. We find the right capital in our lender network, your customer leaves your bank having been helped, and you keep the deposit relationship.
The requests you can't close, and shouldn't have to turn away
Outside the credit box
A solid business with a request your policy can't stretch to. The structure, the industry or the numbers fall just outside.
Too new
Not enough time in business for your guidelines yet, even with real customers and a real track record forming.
Too small
A request below the size your bank can book efficiently, from a customer you'd still like to keep happy.
Collateral
Not enough collateral, or the wrong kind: equipment, receivables or inventory where your policy wants real estate.
Concentration
You're already heavy in their industry, their market or with related borrowers, so the answer is no for now.
Timing or structure
They need it sooner, or shaped differently, than your process allows. The business is fine; the fit isn't.
From "not this time" to "my bank looked out for me"
A decline doesn't have to be the end of the conversation. Here's what happens when you introduce a customer you can't serve today.
Your customer asks
A business customer brings you a loan request.
"Not this time"
It doesn't fit your bank today.
- Outside the credit box
- Too new
- Too small
- Collateral
- Concentration
Capco Capital lending advisors
With their permission, you introduce them. We review the business and prepare a Capital Position Report.
Our lender network
We match the request to lenders in our network that fit it.
Your customer is funded
They get the capital they came to you for, on terms explained in plain language.
They still bank with you
Deposits, treasury and payments stay right where they are.
The deposit relationship never leaves your bank. When the business is ready for bank financing again, we send them back to you.
They leave your bank helped, not rejected
A customer who hears "no" and walks out empty-handed starts shopping for a new bank. A customer you point somewhere useful remembers that you looked out for them.
- We never offer deposit, treasury or payment services.
- We never encourage a customer you introduced to move their accounts.
- When they're bankable again, we point them back to their own bank.
- We're not affiliated with your institution, and we say so on everything the customer sees.
Three steps, and your customer is in good hands
Decline the way you always do
Keep your normal process. Then, with the customer's permission, hand them our information or send us their name and number from your portal.
We look for the right fit
Our commercial lending advisors review the business, prepare a Capital Position Report and match the request to lenders in our network that fit.
You see where it stands
Your portal shows each introduction's stage, deal size and property address. Never the customer's financials, and no fees, because there are none.
A co-branded handout for the customer you can't serve today
Your portal builds a one-page handout with your name and your institution's on it, to print, hand across the desk, or paste into an email you send yourself, where your institution allows co-branded materials. The customer leaves with a next step instead of a dead end.
- Your name, title and institution at the top
- A QR code with your personal link, so the introduction shows up in your portal
- Plain disclosures: Capco Capital is a commercial lending advisor, not a lender, and not affiliated with your bank. Your own decline notice still comes from you.
Capco Capital · Commercial lending advisors
A next step for your business financing
We couldn't help with this request today, and we didn't want to leave you without options. Capco Capital's commercial lending advisors will review your request, explain your options in plain language, and match you with lenders in their network that fit.
- Free to ask, no obligation
- Your accounts stay right where they are
- Commercial, business-purpose financing
(337) 270-2036 · capcocapital.com
Capco Capital LLC is a commercial lending advisor, not a lender, and is not affiliated with the institution named above.
- Riverside Machine WorksEquipment financing · $175,000Matching lenders
- Main Street BakeryWorking capital · $60,000In review
- 100 Anytown AveOwner-occupied building · $780,000Closing
Know where every introduction stands, without a phone call
Your portal is status only. It shows enough to follow up with your customer, and nothing they'd want kept private.
- Each introduction's stage, from Received to Funded
- The deal size and, on real estate deals, the property address
- Never the customer's financials, documents, credit or lender details
- No fees anywhere, because there are none
Real help, from people who explain it plainly
A Capital Position Report
A plain-language read on where the business stands with lenders, built from public records and their own numbers, and what would make the file stronger.
An honest read
If it's a fit, we say so and get to work. If it isn't, we tell them why and what would change it. No runaround.
The right lender, not just any lender
We match the request to lenders in our network that fit it. Real business financing, never a merchant cash advance dressed up as a loan.
Nothing of value, to anyone, ever
Federal law (18 U.S.C. § 215) bars giving anything of value to bank and credit-union employees for referrals, so we never offer it: no fee, no gift, no payout.
- Not to you, not to your colleagues, and not to your institution either: we're stricter than the law requires.
- It covers everyone acting for your institution: officers, employees, agents and outside counsel.
- No meals, tickets or holiday gifts in exchange for introductions.
- It's written into the Bank Referral Agreement you accept at sign-up.
Check with your compliance team before you start. Share customer information only with the customer's permission and as your institution's privacy policy allows. We're glad to walk your compliance officer through how this works.
Set up your bank or credit union in about two minutes
Sign up at the institution level: your bank or credit union's name, your name and your title. Accept the Bank Referral Agreement, and Van emails your portal sign-in once he's reviewed it.
Straight answers
Is this a referral fee arrangement?
No. Nobody at your bank or credit union receives anything of value for an introduction, and the Bank Referral Agreement says so in writing. Federal law (18 U.S.C. § 215) bars it, and we wouldn't offer it anyway.
Does this replace our adverse-action notice?
No. Keep your normal process, including any notice your institution gives about its own credit decision. The introduction happens alongside it, never instead of it.
Will you solicit our deposits or treasury business?
Never. We don't offer deposit, treasury or payment services, and we never encourage a customer you introduced to move them. When they're ready for bank financing again, we point them back to you.
What do you need from us?
Just the introduction, with the customer's permission. A name and a phone number or email is plenty. We take it from there and keep you posted in your portal.
Who signs up: me or the bank?
The institution. You sign up with your bank or credit union's name, your name and your title, and accept the Bank Referral Agreement on its behalf. Colleagues can be added later.
Something else? Call (337) 270-2036 and ask for Van.
Capco Capital LLC is a commercial lending advisor, not a lender, and is not affiliated with your bank or credit union. We arrange commercial, business-purpose financing through our lender network, nationwide except California. Lenders in our network compensate us when a deal closes, and that's disclosed to the borrower. No one at a bank or credit union receives anything of value for an introduction. Credit decisions are made by the lenders.
