Stewardship
Capital decisions deserve careful judgment, honest context, and a long-term view.
CovenantCapitalSubmit a dealBusiness + real estate lending
When the deal is difficult,
bring it to Covenant.
From working capital and business lending to commercial real estate, investment property, and primary-residence financing, we specialize in the transactions conventional lenders struggle to complete.
Business lendingworking capital through acquisitions
Real estatecommercial, investor, and residential
Difficult dealscreative structure and lender fit
CovenantCapital
Our specialtyFinancing the deals
others cannot get done.
others cannot get done.
We diagnose the obstacle, restructure the request, and pursue the lenders built for the opportunity.
Capital relationships across
BanksNon-bank lendersPrivate credit fundsHedge fundsFamily offices
Choose your path
Come to Covenant with a deal—or build the next one with us.
Whether you need a difficult transaction financed or want a broader platform for the opportunities you originate, there is a clear way forward.
Rooted in purpose
A covenant of clarity, integrity, and diligent execution.
Discernment
We look beyond the obvious answer to find the structure and provider that truly fit.
Service
We stay close to the work, communicate clearly, and remain engaged through execution.
Business + real estate lending
One difficult deal. More ways to get it financed.
We match the borrower, property, cash flow, collateral, credit profile, timing, and use of proceeds to the lenders and structures most likely to understand the opportunity.
Working capital & business lending
Term loans, revenue-based financing, business credit, equipment financing, acquisition capital, and fast working-capital options.
Discuss this optionSBA & long-term financing
SBA and longer-term structures for eligible expansion, acquisitions, equipment, owner-occupied real estate, and debt refinancing.
Discuss this optionLines of credit & receivables
Revolving lines, accounts-receivable financing, asset-based lending, and liquidity built around operating cycles.
Discuss this optionCommercial real estate
Financing for owner-occupied and investment properties, construction, bridge needs, acquisitions, refinancing, and complex collateral.
Discuss this optionResidential & investor lending
Primary residences, second homes, investment properties, DSCR loans, bridge financing, and alternative-documentation pathways where available.
Discuss this optionDifficult-deal solutions
Hard money, bridge, asset-based structures, debt restructuring, MCA refinancing, and other paths when conventional lenders cannot get comfortable.
Discuss this optionAccounting
Bookkeeping starting at $150 per month, tax preparation coordination, and practical risk management for growing businesses.
Discuss accountingPayment processing
Merchant services and payment infrastructure through Covenant Payments for lower-risk, high-risk, and complex businesses.
Visit Covenant PaymentsMarketing
Digital marketing, lead generation, brand positioning, local visibility, and e-commerce support designed to help small businesses grow.
Discuss marketingBeyond our core services
One relationship for the services that keep a business moving.
Financing, payments, accounting, and marketing are only part of the picture. Covenant Capital can also coordinate the practical tools and providers businesses need to launch, operate, protect, and scale.
Websites & hosting
Website design and development, domain registration, secure hosting, maintenance, and practical support for an effective online presence.
Business setup & support
Business registration coordination, notary services, software sourcing, and operational guidance for new and growing companies.
Workforce & protection
Payroll solutions through established providers, insurance across major lines, and risk-management support tailored to the business.
Technology & infrastructure
Commercial energy brokerage, internet, phone, mobile, telecom, Toast POS systems, and other essential business technology.
The Covenant difference
When other lenders cannot get it done, our work is just beginning.
A decline is often a mismatch—not the end of the transaction. The deal may need a stronger story, a different structure, another view of the collateral, or a lender with the right mandate. Finding that path is our specialty.
Bring us the complicated deal01
Diagnose the constraintWe identify what is keeping the deal from fitting a conventional credit box.
02
Position the opportunityWe turn the facts into a concise, lender-ready capital story.
03
Navigate the marketWe target the capital sources whose mandate actually matches the transaction.
04
Drive toward closingWe stay engaged through questions, diligence, structure, and execution.
How it works
A disciplined path from complexity to clarity.
Tell us the deal
Share the business, capital need, timing, and anything that makes the request unusual.
We assess the fit
We review the facts, identify missing pieces, and map the most credible financing paths.
We go to market
With your authorization, we present the opportunity to a focused group of relevant capital sources.
We help execute
We coordinate feedback and work with you toward a practical closing.
Common questions
Clear answers for business owners.
What financing does Covenant Capital arrange?
We help clients pursue working capital, SBA loans, term loans, lines of credit, revenue-based financing, acquisition financing, commercial real estate, primary-residence and second-home mortgages, DSCR and investment-property loans, bridge loans, asset-based structures, accounts-receivable financing, MCA alternatives, and debt restructuring.
Can Covenant help when another lender has declined the deal?
Yes. Difficult and declined transactions are a core focus. We identify the constraint, rebuild the financing story, and pursue lenders or structures better suited to the actual risk. Approval is never guaranteed, but a decline from one lender does not always mean the opportunity is unfinanceable.
What accounting services are available?
Our accounting services include bookkeeping starting at $150 per month, tax preparation coordination, and risk-management support. Scope and pricing depend on the business and the work required.
Can Covenant help with payment processing?
Yes. Payment processing is provided through Covenant Payments, our dedicated merchant-services business for lower-risk, high-risk, and complex merchants.
Does Covenant Capital offer marketing, websites, and other business services?
Yes. Marketing remains a core service. We also help with website development, domain registration, hosting, business registration coordination, payroll, insurance, telecom, commercial energy, POS systems, software, e-commerce support, and notary services.
Does submitting an application guarantee financing?
No. Submission starts a review and does not guarantee approval, funding, pricing, or terms. Final decisions are made by the applicable provider after underwriting.
Covenant partner network
Refer a client. Build a channel. Grow with Covenant.
Our program supports trusted referrals, strategic partnerships, and finance or merchant-services professionals looking for a broader platform.
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Business loan applicationWorking capital, SBA, lines of credit, acquisitions, refinancing, and other business financing.Real estate financing applicationCommercial, investment, bridge, DSCR, construction, and residential financing requests.Merchant payment processing applicationCard processing, gateways, POS, ACH, high-risk placement, and merchant underwriting.View all applications Choose an application
The secure portal supports draft saving, document uploads, consent and signature, team-assisted completion, and protected internal review.