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Specialty Lender

Celtic Capital

Specialized asset-based lending with very high funding amounts for established businesses.

$50,000 - $10,000,000

Funding Range

5-10 days

Funding Speed

$50,000

Min. Monthly Revenue

No minimum

Credit Requirement

About Celtic Capital

Celtic Capital specializes in asset-based lending, factoring, and accounts receivable financing for businesses that need working capital. They focus on businesses with commercial receivables and assets that can serve as collateral.

Founded 1998Calabasas, CA

Requirements

Time in Business

24 months

Min. Monthly Revenue

$50,000

Credit Score

No minimum

Factor Rate

1.05 - 1.20

Industries Served

Manufacturing
Distribution
Staffing
Government Contractors
Wholesale

Pros

Very high funding amounts
Asset-based — credit flexible
Lower cost than MCA
Revolving facilities available

Cons

Requires substantial receivables or assets
Longer setup time
Higher minimums

How to Apply to Celtic Capital

Before applying to Celtic Capital, check your qualification first. Upload your bank statements anonymously — see what an underwriter would think before any lender sees your file. Know your risk flags, understand your position, and only apply when your file is strong.

Ready to See If You Qualify?

Upload your bank statements anonymously and get an instant underwriter-grade analysis. No credit pull. No commitment. No one contacts you unless you want them to.