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Dynamic Capital provides revenue-based financing and business lines of credit up to $5M for small businesses, with funding decisions in under 5 minutes and cash delivery within 24 hours.
Data compiled from public sources
Dynamic Capital was founded in 2013 by Steven Edisis to address gaps in traditional small business lending. The company operates as an independent lender handling underwriting and funding in-house, positioning itself as an alternative to banks for businesses that may be overlooked by traditional financial institutions. With over 14,000 small businesses funded and $500M in total business financing deployed since 2016, Dynamic Capital has established itself as a meaningful player in the alternative business lending space.
The company offers two primary financing products: Revenue-Based Financing, where capital is provided based on future sales with no collateral required and flexible payments that adjust to business revenue, and Business Lines of Credit, which provide flexible access to funds up to a credit limit with interest charged only on drawn amounts. Both products emphasize speed—pre-qualification takes under 5 minutes, funding decisions are fast, and cash typically reaches borrowers' bank accounts within 24 hours. The company serves businesses across multiple languages (English, Spanish, Portuguese, Creole) and maintains customer service availability Monday-Friday 9AM-8PM EST and Saturday 9AM-5PM EST.
Dynamic Capital distinguishes itself through several operational advantages: a 4.8/5 Google rating based on hundreds of five-star reviews, same-day or next-day funding capability, unsecured lending (no collateral required for revenue-based financing), and a stated commitment to "speed you can rely on" with transparent pre-qualification processes. The company names specific team members in customer testimonials (Luke Knable, Paul Asencio, Joe Petri, Jose Contreras, Jerry Gutierrez, Jerry Jones), suggesting established client relationships. Their core values emphasize trust, reliability, empowerment, and growth.
However, potential borrowers should note that the website provides limited information about actual terms, rates, repayment structures, or eligibility criteria. Revenue-based financing typically involves percentage-of-revenue repayment models that can result in higher total repayment than traditional loans, though exact terms are not disclosed. The company does not publicly disclose whether they perform hard credit pulls, minimum credit score requirements, or specific industry restrictions. While customer reviews are overwhelmingly positive, the lack of transparent pricing and terms requires direct contact before commitment.
This is state-level context for Business Loans consumers in Miami, FL. It does not confirm that Dynamic Capital or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above
Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.
Status: Permitted
Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms
Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Dynamic Capital offers 10 services including Revenue-based financing with flexible payment structures tied to business sales, Unsecured business lines of credit up to $5,000,000, Online pre-qualification process (under 5 minutes), Same-day or next-day funding to business bank accounts, Draw-based credit lines with interest charged only on withdrawn amounts, and 5 more.
Dynamic Capital is best suited for Growth-stage small businesses with consistent revenue needing flexible funding without collateral, Business owners with inconsistent monthly income who benefit from payment structures tied to actual sales, Entrepreneurs who have been rejected by traditional banks but have proven business revenue, Companies needing fast capital ($10K-$1M range) for operational expansion or inventory.
Key strengths: Fast funding: Pre-qualification in under 5 minutes, funding decisions same-day, cash delivery within 24 hours; No collateral required for revenue-based financing products; High customer satisfaction with 4.8/5 Google rating and 14,000+ businesses funded. Areas to consider: Website does not disclose specific APR, rates, or pricing structures; requires phone inquiry to understand actual costs; Revenue-based financing typically results in higher total repayment than fixed-term loans due to percentage-based ongoing payments.
In the Business Loans category, comparable providers include Automotive Fresh Start Center, Cocard, Florida First Capital Finance. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Dynamic Capital is best for established small businesses with consistent revenue seeking fast, flexible financing without collateral requirements. The primary caveat is that actual terms, rates, and fees are not disclosed online—borrowers must contact the company directly to understand total costs, and revenue-based financing structures typically result in higher total repayment than traditional term loans despite the speed and flexibility advantage.
Auto lender specializing in vehicle financing for consumers with challenged credit, active bankruptcy, or no credit history. Offers direct-to-door delivery and works with multiple lenders to secure approval.
Best for: Consumers in active Chapter 7 bankruptcy seeking to purchase a vehicle during the filing process, Recently discharged bankrupts (within 1-2 years) unable to qualify for bank/credit union auto loans
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Best for: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
SBA 504 lender serving Alabama, Florida, and Georgia with fixed-rate commercial real estate, equipment, and debt refinancing loans for small businesses.
Best for: Established small business owners purchasing or expanding commercial real estate with 10%+ equity available, Companies seeking to refinance existing commercial debt at lower rates without business expansion plans
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
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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.
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.
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.
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.
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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