Yaro Yarema, FounderTraditional banks and financial institutions tend to extend credit more favorably to large businesses due to their established commercial credit history, stable earnings, time in business, and lower risk exposure. These unwritten requirements often make it difficult for small businesses to secure financing. While these high-value partnerships drive significant revenue to lenders, the small business sector is equally crucial for the U.S. economy.
Capital MBS addresses this gap by offering specialized equipment financing, working capital, and commercial real estate loans tailored to small and medium-sized enterprises (SMEs).
“We provide businesses with multiple financing options while protecting their credit scores and saving them valuable time,” says Yaro Yarema, Founder of Capital MBS.
Unlike banks that conduct hard credit inquiries—potentially lowering personal and business credit scores—Capital MBS lending partners use soft credit pulls to assess credit without negative impact. This is especially beneficial for businesses that have faced multiple rejections, have below-average credit scores, or are at risk of being over-financed. Acting as a marketplace, Capital MBS connects businesses with the right lenders, whether they need low-risk financing from traditional institutions or alternative lending solutions for higher-risk cases.
Specialized Equipment Financing for Business Growth
Many industries, from manufacturing to logistics, rely on specialized equipment to operate efficiently. Capital MBS helps businesses secure funding for machinery, trucks, trailers, food processing machines, and landscaping and construction equipment. It offers competitive financing solutions through a diverse network of lenders—including banks, credit unions, and private lenders.
A key focus area is the trucking industry, where Capital MBS has helped numerous clients expand their fleets by financing new and used vehicles and trailers. Flexible financing structures include, but are not limited to, equipment loans, lease-to-own, dollar buyout, sale-lease-back, vendor financing, and floor financing. Businesses can obtain essential equipment while maintaining financial stability, which is key for growth.
Comprehensive Funding Solutions Capital
Capital MBS offers a range of financing solutions tailored to meet diverse business needs. Its business factoring and accounts receivable solutions help businesses manage receivables to get paid the same or the next day by purchasing outstanding invoices and providing immediate liquidity.
Commercial Real Estate Financing
Real estate financing options include new construction, rental, fix-and-flip, fix-and-hold, ground-up, and multi-family construction. These options cover up to 90% of the purchase price and 100% of renovation costs. Bridge loans are also available, providing short-term, interest-only financing for transitional real estate projects and developments.
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We provide businesses with multiple financing options while protecting their credit scores and saving them valuable time
Additionally, Capital MBS provides access to SBA loan programs, including SBA 7(a) loans for general-purpose financing, SBA 504 loans for large equipment or real estate purchases, and SBA Express loans for faster access to capital. To support small businesses in securing the best financing options, the company works with numerous banks and private lenders and utilizes soft credit inquiries to protect business credit scores.
Other Services
Beyond funding, Capital MBS offers a variety of client support services. Its credit consulting services help businesses improve their personal and business credit profiles, while startup capital acquisition assistance ensures new businesses can secure the funds needed to launch.
The company also connects businesses with bank-owned factoring companies and assists with equipment sourcing, helping clients find better pricing from wholesale dealers.
Working Capital Solutions That Fit Business Needs
Traditional lenders often hesitate to fund businesses they perceive as high-risk, having lower credit, or being “over-financed.” Capital MBS connects clients with alternative lending sources willing to take on higher-risk borrowers. While these loans may carry slightly higher costs, they provide essential liquidity to sustain operations and fuel growth.
For example, a manufacturing firm specializing in food production was denied financing due to recently obtained bank loans. Capital MBS structured an alternative lending solution that allowed the company to acquire new production equipment, significantly increasing production capacity and revenue.
A Tailored and Transparent Lending Process
Capital MBS streamlines the funding process, guiding clients through a simplified application. Its financial consultants assess business needs, analyze bank statements, and match clients with lenders offering the best terms. This reduces frustration from multiple loan rejections and ensures businesses receive timely funding.
Additionally, Capital MBS educates clients on financing strategies that protect credit scores and optimize borrowing potential. Many business owners are unaware that multiple hard credit inquiries can lower their credit scores. Capital MBS mitigates this risk by pre-qualifying applicants and directing them to the most suitable lenders.
Expanding to Serve More Businesses
With a multilingual team fluent in English, Ukrainian, Russian, and Spanish, Capital MBS serves a diverse clientele across multiple regions. The company is expanding beyond small businesses to include vendors and manufacturers, enabling them to offer in-house vendor financing options to customers. This strategic shift enhances funding accessibility and strengthens business relationships.
Capital MBS is more than a financing provider—it is a trusted partner for businesses seeking sustainable growth. By offering flexible equipment financing, strategic working capital solutions, real estate financing, and expert credit consulting, it empowers businesses to secure the resources they need to thrive in competitive industries.
