From SBA loans to same-day working capital—get the right funding solution for your business, without the wait.
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You're not here because your business is failing. You're here because your business is moving.
Maybe you just landed a major contract and need to cover upfront costs. Maybe you're staring at a 60-day payment cycle but need to make payroll today. Maybe you've got an equipment purchase that can't wait for a 90-day bank approval.
Traditional banks? They want two years of tax returns, perfect credit, mountains of paperwork, and three months of your life. By the time they say yes, your opportunity is gone.
We're different. We're business owners who understand that timing matters—and that different situations require different solutions.
Whether you need low-cost SBA financing for long-term growth or same-day working capital for an immediate opportunity, we connect you with the right funding at the right time.
Don't let slow funding kill a good opportunity.
Pratt Capital connects you with a full range of business funding options—from traditional funding to revenue based funding, and everything in between. We work with you to find the solution that fits your timeline, your cash flow, and your goals.
We're not locked into one product. Whether you need an SBA loan, a term loan, a line of credit, equipment financing, or revenue-based funding—we match you with the right solution for your situation
Same-day decisions available for time-sensitive needs. SBA and term loans for when you can plan ahead. You choose the timeline that works for your business.
We focus on your business performance, not just your credit score. Strong cash flow? You're likely approved. It's that straightforward.
Fixed monthly payments for predictable budgeting. Revenue-based payments that flex with your sales. Also, revolving Lines of Credit.
No surprises. No hidden fees. You'll know exactly what you're getting—terms, costs, timeline—before you commit to anything.
Different business needs require different funding solutions. Here's what we offer:
30-60 days
$50,000 to $5,000,000+
Expansion, real estate, major equipment purchases, business acquisition
30-60 days
$50,000 to $5,000,000+
Up to 25 years (real estate) or 10 years (Traditional Term Funding)
Fixed Monthly payments, Bi-Weekly, Weekly and Daily
5-10 days
$10,000 to $500,000
Expansion, inventory purchase, marketing campaigns, hiring
5-10 days
$10,000 to $500,000
2 months to 10 years
Fixed daily, weekly, or monthly payments
1-2 days to approval
$10,000 to $5,000,000
Seasonal businesses, managing cash flow gaps, recurring short-term needs
1-2 days to approval
$10,000 to $5,000,000
Revolving credit (draw as needed, pay down, draw again)
Pay only on what you use
1-2 days
$5,000 to $5,000,000
Purchasing vehicles, machinery, technology, restaurant equipment
1-2 days
$5,000 to $5,000,000
6 months to 10 years
Fixed monthly payments, Bi-Weekly, and Weekly
24-48 hours
$10,000 to $5,000,000
For businesses without significant card sales, we can arrange fixed daily or weekly ACH withdrawals based on your average revenue.
This is the fastest money, but not the cheapest. You're paying for speed and accessibility. If you can wait 2-3 weeks, term and SBA loans cost less.
Immediate needs, contract fulfillment, payroll gaps, time-sensitive
24-48 hours
$10,000 to $5,000,000
3 months - 5 years
Fixed Monthly, Bi-Weekly, Weekly, and Daily
We work with business owners who need capital to capitalize on opportunities:
Different programs have different requirements. We'll help you find the one you qualify for.
Based on your timeline, amount needed, and business profile, we'll present you with the best funding option(s). You'll get:
Based on your timeline, amount needed, and business profile, we'll present you with the best funding option(s). You'll get:
Accept the terms that work for you, complete final documentation, and receive your funds.
Let's be straight: different funding solutions have different costs. The faster and more flexible the money, the more it costs. The slower and more structured, the less it costs.
Pratt Capital isn't a faceless lending company. We're a privately-held funding advisory firm led by Ken Pratt, an experienced investor and business operator with deep roots in the Houston and Dallas markets.
Ken built Pratt Capital because he knows what it's like to need funding fast—and to face the frustration of traditional banking timelines that don't match business reality.
We listen to your situation. We match you with the right funding solution from our network of lenders. We handle the process. You get back to running your business.
We'll tell you which option makes sense for your situation, even if it's not the fastest or most profitable for us
We'll tell you which option makes sense for your situation, even if it's not the fastest or most profitable for us
Call us, we'll answer. You're not a ticket number.
We want you to win. We only succeed when you succeed.
It depends on three factors: (1) How fast you need the money, (2) How much you need, and (3) What you can qualify for.
If you need money in 24-48 hours, revenue-based funding is your option. If you can wait 1-2 weeks, term loans cost less. If you can wait 30-60 days and have strong credit, SBA loans cost the least.
Call us at [XXX-XXX-XXXX] and we'll walk through which option makes sense for your situation.
It depends on three factors: (1) How fast you need the money, (2) How much you need, and (3) What you can qualify for. If you need money in 24-48 hours, revenue-based funding is your option. If you can wait 1-2 weeks, term loans cost less. If you can wait 30-60 days and have strong credit, SBA loans cost the least. Call us at [XXX-XXX-XXXX] and we'll walk through which option makes sense for your situation.
It depends on three factors: (1) How fast you need the money, (2) How much you need, and (3) What you can qualify for. If you need money in 24-48 hours, revenue-based funding is your option. If you can wait 1-2 weeks, term loans cost less. If you can wait 30-60 days and have strong credit, SBA loans cost the least. Call us at [XXX-XXX-XXXX] and we'll walk through which option makes sense for your situation.
It depends on three factors: (1) How fast you need the money, (2) How much you need, and (3) What you can qualify for. If you need money in 24-48 hours, revenue-based funding is your option. If you can wait 1-2 weeks, term loans cost less. If you can wait 30-60 days and have strong credit, SBA loans cost the least. Call us at [XXX-XXX-XXXX] and we'll walk through which option makes sense for your situation.
It depends on three factors: (1) How fast you need the money, (2) How much you need, and (3) What you can qualify for. If you need money in 24-48 hours, revenue-based funding is your option. If you can wait 1-2 weeks, term loans cost less. If you can wait 30-60 days and have strong credit, SBA loans cost the least. Call us at [XXX-XXX-XXXX] and we'll walk through which option makes sense for your situation.
Stop letting funding delays slow down your business growth. Whether you need money this week or you're planning for the next quarter, we'll match you with the right solution.
Don't let timing kill your opportunity. Let's talk
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