429 Capital is a Los Angeles-based commercial loan advisory firm. We match small businesses with the right SBA and conventional financing — and manage the entire process from lender selection to closing.
Whether you are buying real estate, acquiring a business, or financing equipment — we structure the right loan and match you to the best lender.
We partner with CRE brokers, CPAs, and attorneys to support their clients. Refer your clients with confidence — we manage the financing from start to close while protecting your relationship.
We submit clean, well-packaged loan files. If you are a bank or credit union looking for quality SBA deal flow, let us connect.
Turned down by two banks before finding 429 Capital. They restructured our deal and got us approved in 6 weeks.
Bought a 12,000 sq ft warehouse using a 504 loan. 429 walked us through every step — from CDC selection to close.
Needed $400K in equipment fast. They found a lender that moved in 10 business days with no prepayment penalty.
We match you with the right program — not just whichever lender responds first.
The most versatile SBA program — covers acquisitions, working capital, equipment, real estate, partner buyouts, and debt refinancing.
Own your building with just 10% down at a long-term fixed rate. Covers purchase, construction, and renovation. Assumable if you sell.
Fast, asset-backed approval on new and used equipment. Equipment serves as collateral — keeping underwriting clean and approval quick.
Purchase, refinance, or build commercial property — retail, office, industrial, warehouse, or mixed-use. Conventional and SBA options.
Revolving credit you draw only when needed — ideal for payroll gaps, inventory, seasonal swings, or bridging receivables.
Buy an existing business or franchise including goodwill, equipment, and inventory. Well-suited for first-time buyers and professional practices.
We learn your goals, loan amount, timeline, and business profile. No credit pull. No commitment. Just an honest conversation.
Based on your deal, we identify the best loan program and pre-structure the transaction to maximize approval odds before anything goes to a lender.
We submit your file only to lenders most likely to approve — protecting your credit score and your time. No shotgun approach.
We compile all financials, write the business narrative, and present your file in the strongest possible light for underwriting.
We guide you through underwriting conditions and closing until the capital is in your account and the deal is done.
Lenders approve loans based on how a file is structured. A weak presentation gets declined. We write the story that gets you approved.
Every deal is unique. Not sure if you qualify? Call us — we will tell you honestly.
Most brokers shop your file to whoever will take it. We build the deal before it goes out — protecting your credit and your time.
Our team includes a former bank SBA loan officer. We know what underwriters look for — and what kills a deal before it reaches the desk.
Banks, CDCs, credit unions, non-bank SBA lenders — we match you to the right institution for your deal type.
We earn our fee at closing. If you do not fund, we do not get paid. Our incentives are perfectly aligned with yours.
Licensed under the California Financing Law — you are working with a compliant, accountable firm, not an unlicensed referral service.
Select a loan program, enter your numbers, and get an instant estimate. Ready for a real quote? We will run the actual numbers for you — free.
Estimates are for illustrative purposes only. Actual rates, terms, and payments are subject to lender approval.
No commitment. No credit pull. Just an honest conversation about what is possible for your business.
429 Capital is licensed under the California Financing Law, DFPI. All loans subject to credit approval. Not a commitment to lend. Not all applicants will qualify.