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Capital RB Solutions

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LAST UPDATED: July 17th, 2021

Capital RB Solutions is a business and hard money loan lender in the United States. Founded by business loan consultant Miguel Ayon, the company offers a wide variety of loans — even for those with low credit scores. The company works one-on-one with clients, helping them find a loan solution that meets their needs and qualifications in a short amount of time.

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The Good

  • 24-Hour Quotes
  • Business Loans
  • Commercial Loans
  • Low Credit Score
  • Active Blog

24-Hour Quotes

Capital RB Solutions can provide customers with quotes in as little as 24 hours. The company can also offer these quotes without running checks on credit scores, appealing to customers whose credit scores are already low or who don’t want to damage theirs by having a check performed. Providing a quote without a credit check is particularly remarkable for a loan company and offers a great incentive for potential customers. 

Business Loans

Capital RB Solutions offers several business loans:

  • Collateralized Programs — Conveniently, this loan offers a basic and premier plan. Customers who qualify for the premier plan can access lower APR if they have over 1 million in annual revenue and a credit score over 620. Those who qualify for the basic program need $20,000 in gross monthly revenue, fairly typical for loan businesses in the industry.
  • Accounts Receivable Financing — Unique features about this loan include no minimum credit score but with 1 million in annual revenue.
  • Revolving Line of Credit — Same day funding is available for this type of loan. The barrier to entry is much lower, with a required credit score at 500 and only $10,000 in gross monthly sales. This loan is also available in 24-month increments.
  • Working Capital Loan — This loan is for costumes who already have debts or who have bad credit. It requires $25,000 in monthly revenue and a credit score of at least 500.
  • Equipment Financing — Depending on credit, loans for equipment at Capital RB Solutions can have APR for as low as 8%.
  • Term Loans — 24-hour funding is available with loans from as little as $50,000 to as large as $500,000. 
  • Commercial Financing — This loan ranges anywhere from $20,000 to 10 million and from 6 months to 25 years. This versatility is very helpful for customers looking for a customizable commercial financing loan for construction or other building needs.
  • Cannabusiness Commercial Financing — Customers choosing this loan must have $250,000 in annual revenue and 6 months in business and the process for approval does not include a credit check.

Commercial Loans

In addition to many business loan offers, Capital RB Solutions provides access to many different commercial property loans:

  • New Construction Loan — This is best for customers who already have experience in construction and have proof of ground up construction sales. Capital RB Solutions offers a flexible timeline with these loans, allowing customers time between qualifying and actual construction before beginning payments.
  • Buy, Rehab, Rent, Refinance Loan — This circular loan allows customers to invest money which will be invested in rental properties that appreciate, sell, and are put back in the system to do all over again.
  • Fix & Flip Loan — For customers who prefer purchasing property to upgrade, Capital RB Solutions offers this loan with as little as 7.5% rates. This loan is for customers with a clear title and in good standing financially. 
  • Long Term Rental Loan — Rates are as low as 3.75% with this loan (significantly lower than other loans offered by Capital RB Solutions) and requires a timeframe of 4 to 5 weeks.

Low Credit Score

While it does depend on the loan, Capital RB Solutions provides several loans with a required credit score of as low as 500. A 600 minimum credit score is typical in the industry, making Capital RB Solutions stand out from the rest.

Active Blog

Capital RB Solutions currently runs an active blog. This is an added source of information for customers to learn about what the company offers, news from the loan industry, and more. Having a blog is not necessary for a loan company but shows that Capital RB Solutions is actively engaged in the industry and cares about informing its customers.


The Bad

  • Documentation Fees
  • Few Years in Business

Documentation Fees

A documentation fee is required on Capital RB Solutions’s New Construction Loan ($995), Fix & Flips Loan ($995), and the Long Term Rental Loan ($1,495). 

Few Years in Business

Capital RB Solutions has been in business less than one year. While this does not indicate future performance, time in business is a good thing to consider when choosing to work with a loan company.


The Bottom Line

Capital RB Solutions truly has a solution for almost any customer needing a loan for a business or commercial project. The company provides nearly a dozen different loans, each with relatively low rates and low minimum credit scores--some even as low as 500 required credit score. The company does have some documentation fees for some of its commercial loans and has only been in business less than one year. Customers should take this into consideration when choosing to work with Capital RB Solutions. 

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