We work for Texas business owners, not lenders. Here is exactly how.
Before you apply, you deserve a straight answer on what we are, what we do, and how we make money.
We match you with lenders who do. You fill out one application. We submit it to multiple lenders in our network who fit your profile. You get options instead of one shot at one lender.
Our commission comes from the lender when your deal funds. You pay us nothing, regardless of outcome. No application fee. No consultation fee. No cancellation fee. There is nothing to lose by applying.
No one can. What we do guarantee is that your file gets submitted to the lenders most likely to approve it, and that you get a real answer either way. Not a ghosted inbox. A real response.
Start to funded, from your first call to money in your account. No surprises.
Takes about 3 minutes. We ask for your monthly revenue, how long you've been in business, how much you need, and your contact info. That's it to start. No tax returns, no business plan, no long forms.
Every lender in our network has different criteria. Some specialize in trucking. Some care more about revenue than credit. Some do smaller amounts, some go up to $5M. We identify which ones are the best match for where you are right now.
You don't have to shop around. You don't have to call four different companies and tell your story four times. We send your file and it goes to underwriters, not intake assistants.
We walk you through every offer. What the factor rate means in real dollars. What the daily or weekly payment looks like against your cash flow. What the terms actually say. You decide. No pressure from us either way.
Money goes from the lender to your business bank account. We receive our broker commission from the lender. You owe us nothing. That's the whole model. It's clean because it has to be: if the deal doesn't fund, we don't get paid either.
Texas contractors, truckers, and restaurant owners kept getting turned down by banks that used criteria built for large corporations. The bank looks at two years of clean tax returns and a strong credit score. A roofing company that had a $400K storm season followed by a slow winter fails that test on paper, even if the business is completely healthy.
At the same time, the alternative lending market had real products that could help. But it was scattered, confusing, and full of brokers who submitted files to anyone and everyone without thinking about fit. Business owners were getting buried in phone calls from lenders they'd never heard of, with offers that didn't make sense for their situation.
We started Lone Star Capital Group to be the resource we wished existed: someone who knows the Texas market, knows the lenders, and works the file until something fits.
This page exists because we think you should know the full picture before you apply. So here it is.
We cannot make credit or lending decisions. We do not hold funds. All approvals, declines, and funding come from the lender, not from us.
We don't sell your information to 20 lenders and let them compete for your attention. Your file goes to 2-4 lenders that we have already vetted and have a real working relationship with. That's it.
Any company that promises you'll be approved before seeing your file is lying. We don't do that. We tell you your chances honestly after reviewing your profile.
If you have strong credit and two years of clean financials, your bank can probably beat our rates. We'll tell you that honestly if it applies to you. We're built for the business owners that traditional banks keep passing on.
Every application gets a real response within 2 business hours. If we can place your file, we tell you what we found. If we can't, we tell you why, and we tell you what would need to change. No ghosting. No runaround. A real person, a real answer.
Our network covers products ranging from merchant cash advances and working capital to equipment financing and SBA loans. We've gone through the broker approval process with each one: background checks, underwriting guidelines, commission agreements.
When we submit your file, it goes to underwriters, not intake assistants. That's the difference between a brokerage that has real relationships and one that just has a list of fax numbers.
The questions we get most often, answered without filler.
Takes 3 minutes. No credit impact. A real person follows up within 2 hours.
Apply Now, Free ↗