Where we have worked
Industries we understand.
- Restaurants
- Medical practices
- Retail
- Contractors
- Professional services
We help business owners secure funding for what comes next.
From immediate needs to long-term growth, we clarify the request, find the right program and get the capital funded.
A real person helps organize the request, explain the available paths and keep the next step clear.
Decision map
From need to a clear next step.
One team, start to finish. We structure the request, move it through underwriting and stay on it until the money lands.
Need
Define the financing objective, timing, and business context.
Fit
Review the request against relevant financing paths and requirements.
Structure
Organize the request, documentation, and financing story.
Underwriting
Carry the prepared request through underwriting and conditions.
Next step
Clarify the available path, open items, and decision ahead.
Approval and final terms are confirmed in writing.
500+Businesses / funding rounds
$300M+Funding raised for clients
98%Approval rate
5,000+Hours saved
Published figures and client accounts describe HB Capital’s experience, not typical outcomes or current commitments.
Financing routes
Start with what the capital needs to do.
Business needs come first. Each route opens the current program details, where availability, underwriting and terms still apply.
How we work
How we move a financing request forward.
Every request starts with understanding the need. From there, we organize the details, evaluate program fit, and manage the process through underwriting and closing.
- Objective and timing
- The requested amount, timing, business context and intended use of funds are clearly defined.
- Request context
- Financials, supporting documents and other key details are organized for review and underwriting.
- Program fit
- The request is evaluated against available financing options to determine the appropriate fit. Final approval is subject to underwriting.
- Open items and closing
- Conditions, communication and next steps are managed through underwriting until the transaction closes.
What we do: clarify the need, structure the request, match it to the right program and drive it to funding.
What you get: a direct line to a real person and a clear next step at every stage. Approval and final terms are confirmed in writing.
Our story
Built by the Henriquez brothers around a better client experience.
HB Capital began with a simple observation: business owners needed more than a transactional funding pitch. They needed an ally who could understand the need, clarify the options and stay engaged through the process.
Meet HB CapitalExamples of completed client transactions
Financing organized around real businesses.
- Nail salon
- $18K
- Medical practice
- $200K
- Bakery
- $12K
- Home healthcare
- $25K
- Urgent care
- $500K
These completed transactions are individual examples. They do not represent a promise of financing or future results.
Client perspective
What clients say about working with HB Capital.
Four client perspectives, each reflecting an individual experience.
HB Capital gave me the second chance that made a difference with my photography business. When I needed that second chance, HB came through for me.
George and Ray were both hands-on and helpful. I spoke to them on Friday and got funded on Saturday. Very good guys with a great business.
I was barely breaking even when I reached out. Because of HB Capital I was able to invest in marketing, and now my business is growing.
Ray advised me on a plan for success and helped coordinate a funding deal. My bakery was flourishing when this review was published.
Client testimonial. Individual results vary and are not guaranteed.
FAQ
Resolve the questions that usually slow a decision.
Timing, qualifications, challenged credit and request size are the four starting points owners ask about most.
Program availability, underwriting, approval and terms apply to every transaction; nothing shown here is guaranteed.
01How soon can I get funded?
Some programs fund in 24–48 hours once approved, depending on the product and documentation. Actual timing depends on the specific transaction.
02What are the qualifications for financing?
Program profiles include businesses with 6+ months in operation, $10K+ monthly deposits and FICO scores beginning around 500 for selected products. Current requirements vary by program and are confirmed when we review your file.
03Can I seek financing with challenged credit?
Yes. We work across a range of business and real-estate financing paths, and a lower credit score does not rule you out on its own. Eligibility is confirmed once we review the full picture.
04How much capital can my business request?
Program ranges span $5,000 to $10,000,000 across different products. Available amounts depend on the transaction, financial profile, collateral where applicable and current program guidelines.