Capital Source Financial offers wealth solutions and financing for businesses. Based in Philadelphia, they serve existing clients and prospective business partners.
Editorially reviewed by Harvey Brooks
Capital Source Finance LLC is a Philadelphia-based financial services company operating under the business-loans category. The company maintains a physical office at 401 N Broad St, Philadelphia, PA 19108, and provides contact channels via phone (+1 215-261-5690) and email (info@capsurcefinancial.com). Their website indicates they have been operational at least through 2025. The company positions itself as a wealth solutions provider targeting business clients rather than individual consumers. Capital Source Financial offers unspecified wealth solutions designed for business owners and entrepreneurs seeking financing or financial management services. The website emphasizes serving existing clients with ongoing support while also attracting new business clients. Their marketing language suggests a focus on business-oriented financial products, though specific product details, loan amounts, terms, or APRs are not disclosed on their contact page. The company distinguishes itself through a personalized approach, inviting prospective clients to connect directly rather than relying solely on automated online applications. They also recruit talent, suggesting they operate with an established team structure. A significant limitation is that their "About Us" page returns a 404 error, preventing verification of company history, licensing information, specific credentials, or detailed product offerings. The lack of accessible information about their actual services, loan products, rates, or terms makes independent verification difficult. The company's web presence appears minimal, with the contact page providing only basic information and no detailed service descriptions, application process details, or customer testimonials available online.
Yes. Capital Source Finance Llc is a registered company headquartered in 1500 Market St # 12, Philadelphia, PA 19102. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Capital Source Finance LLC appears to be a legitimate Philadelphia-based business lender, but prospective clients should proceed with caution due to the inaccessible About Us page and lack of publicly available product details, rates, or regulatory information. Verification of credentials and specific loan terms directly with the company is essential before proceeding.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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