Business Details
Trusted Business Loan Solutions in Miami, FL
GoKapital was founded with a clear mission: to empower businesses and real estate investors with accessible financing solutions. Headquartered in Miami, Florida, we specialize in bridging the gap between small businesses and capital that traditional banks often deny. Our streamlined lending process eliminates unnecessary bureaucracy, offering fast approvals and funding without rigid credit score requirements. With over a decade of combined experience in financial technology, our team understands the unique challenges faced by entrepreneurs and investors, providing tailored programs like hard money loans, SBA loans, and business lines of credit.As an A+ rated member of the Better Business Bureau, we maintain strict adherence to ethical lending practices while delivering nationwide service to both established enterprises and startups. Our 24-hour pre-approval system and rapid funding options ensure clients receive working capital when they need it most.
Services
Small Business Loans
Merchant Cash Advances
Business Line of Credit
SBA Loans
Equipment Financing
Hard Money Loans
Real Estate Loans
Foreign National Loans
Construction Financing
Rental Property Loans
Highlights and features
- We provide 24-hour business loan approvals with no minimum credit score requirements
- Our A+ Better Business Bureau rating demonstrates proven lending reliability
- Specialized financing programs available for 15+ niche industries including cannabis and healthcare
- Fast funding options deliver capital within 24 hours of approval
- Nationwide lending coverage with loan amounts up to $50 million
Associations and certifications
- Better Business Bureau (BBB)
What people say
Fast approvals
No credit score minimum
Flexible terms
Nationwide availability
Quick funding process
Services
Business Line of Credit
Our revolving business line of credit provides flexible funding solutions up to $55,000. Access fast working capital with same-day funding options and competitive interest rates. This short-term financing solution allows companies to manage cash flow gaps while maintaining financial flexibility through daily or weekly payment structures.
Hard Money Loans
Specialized real estate investment loans offering up to 80% LTV for purchase or refinance projects. Available for residential investment and commercial properties nationwide with minimal documentation requirements. Our fix-and-flip loans include rehab financing up to 100% of projected costs while maintaining fast closing timelines within 2-4 weeks.
SBA 7(a) Loans
SBA 7(a) loan program delivers long-term financing solutions up to $500,000 with favorable terms. Available across all 50 states for established businesses meeting profitability requirements. Our express program enables funding within 30 days with interest rates between 6-10% for qualified applicants demonstrating strong credit history.
Equipment Financing
Purchase new equipment or leverage existing assets through our flexible financing options. Offered as direct financing, leasing, or leaseback arrangements with terms up to 5 years. Designed for businesses with minimum 1 year operational history needing affordable financing for critical business assets without cash outlays.
Merchant Cash Advances
Fast access to working capital with approvals possible within 24 hours. Ideal for businesses requiring immediate cash flow solutions without credit score limitations. Repayment structured through predictable daily or weekly deductions based on revenue patterns while offering complete industry eligibility for all business types.
Questions
What are the minimum requirements to qualify for business loans?
For most programs, businesses need $30,000+ monthly revenue. Personal loans require 680+ credit score. Equipment financing needs 1 year business history.
How quickly can I receive funds after approval?
Most approved applicants access capital within 24 hours. Equipment financing and SBA loans typically close within 2-4 weeks for standard applications.
Do you offer loans for startups with no credit history?
Yes, we provide startup business loans based on revenue potential rather than personal credit history through our alternative lending programs.
Are there prepayment penalties for your loan programs?
We do not charge prepayment penalties for any of our business or real estate loan products, allowing flexible debt management options.
Can foreign nationals apply for your loan programs?
Yes, our foreign national loan programs accept international applicants for qualifying business and real estate financing opportunities across the United States.
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