Where we have worked
Industries we understand.
- Restaurants
- Medical practices
- Retail
- Contractors
- Professional services
Founded 2015 · Mahwah, New Jersey
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.
How it works: One team from the first call to the wire. We structure the request, run it through underwriting and stay on it until the capital is in your account.
Decision map
From need to a clear next step.
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.
500+Businesses / funding rounds
$300M+Funding raised for clients
98%Approval rate
5,000+Hours saved
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.
What the request needs to make clear.
The Decision Map is the sequence. These are the working details we organize before and during underwriting.
- Objective and timing
- The requested amount, timing, business context and intended use are made clear.
- Request context
- Documents, financial profile and capital needs are organized for underwriting.
- Program fit
- The request is matched against the programs that actually fit it. Fit is a starting point, not approval.
- 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.
People, work and client perspective.
Published figures and client accounts describe HB Capital’s experience, not typical outcomes or current commitments.
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 Capital
500+Businesses / funding rounds
$300M+Funding raised for clients
98%Approval rate
5,000+Hours saved
Examples 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.
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.”
01 / 04
Testimonial 1 of 4: Kayvan Whitaker
Client testimonial. Individual results vary and are not guaranteed.
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.
Tell us what you’re financing01How 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.