Business requests
Specify the actual borrower, state, requested dollars, preferred months, use of funds and repayment source. This inquiry is not a loan offer, approval or rate quote.
Open business-finance inquiry
IF-01 / CAPITAL ENGINEKing & Co. Capital
COMMERCIAL FINANCE · PRIVATE CREDIT · STRUCTURED CAPITAL
Financing for the business you’re building.
The borrower side of King & Co.: business-purpose financing inquiries for working capital, short-term business needs, vehicles, equipment and acquisitions. Requests are reviewed against actual authority, provider availability and underwriting; no approval or funding is promised.
Compliance-first perimeter
Products, terms, amounts and availability depend on borrower, purpose, collateral, state, licensing, capital source and final underwriting. This site does not promise approval, pricing or funding.
CAPITAL OSSTRUCTURE / UNDERWRITE / CONTROL
Deal lanes6+
Control layers6
Decision modelRisk-adjusted
ASSET BACKEDACQUISITIONWORKING CAPITALPRIVATE CREDITSPECIALTY
BORROWER SIDE
Business financing starts with a defined use.
Submit business-purpose needs for short-term working capital, vehicles and fleet, equipment, acquisitions or real-estate projects. Amount and term requests are preferences, subject to jurisdiction, underwriting and an available capital source.King & Co. Capital is the financing platform name. Any transaction must identify the actual authorized lender, arranger or service provider.
Personal borrowing
Personal, household, payday, consumer-auto and residential-mortgage lending are not available through this business inquiry. Those products need separate authority and state-specific terms before launch.
Looking to invest?
Capital Fund handles prospective investors. Lending operations and investor capital have separate issuers, accounts, documents and review.
Visit Capital FundPROSPECTIVE INVESTOR REGISTRATION
Explore company investments, individual deals and pooled funds.
Tell us which opportunities interest you and your indicative amount, from under $1,000 to $1 million or more. These are research preferences, not available investments or minimum subscriptions. Registration does not establish eligibility.King & Co. is considering potential exempt securities offerings and has not determined a specific exemption for these preliminary inquiries. No money or other consideration is being solicited; any sent in response will not be accepted. No offer to buy can be accepted and no purchase price received until the applicable exemption and any filing, disclosure or qualification requirements are satisfied. Indications of interest involve no obligation or commitment.
FUNDING MATRIX
Not one loan product. A capital stack.
Illustrative transaction sizes—not commitments or advertised credit terms. Structures may be provided directly, through affiliates, or through appropriately licensed/third-party capital providers.Acquisition & buyout capital
Senior debt, seller-note coordination, earnout support, bridge structures, mezzanine layers, and equity-gap planning for qualified business acquisitions.
M&ACash-flow underwritingCollateral optional
Real-estate & asset-backed capital
Bridge, rehab, acquisition, refinance, construction, and asset-backed structures evaluated with state, collateral, title, licensing, and purpose gates.
BridgeAsset basedProject finance
Working-capital facilities
Term loans, revolving facilities, seasonal working capital, contract funding, and growth capital matched to cash conversion cycles and repayment capacity.
TermRevolverGrowth
Receivables & contract finance
Invoice factoring, A/R lines, government-contract receivables, purchase-order finance, and supply-chain structures where legally and operationally appropriate.
A/RPO financeContract
Equipment & specialty finance
Equipment loans, leases, sale-leaseback structures, fleet and machinery finance, and specialty assets with controls tied to title, insurance, valuation, and useful life.
EquipmentLeaseSale-leaseback
Structured growth capital
Private credit, venture debt, revenue-linked structures, preferred equity, convertible instruments, and bespoke capital stacks subject to securities and lending analysis.
Private creditPreferredHybrid
PARTNER CAPITAL / SBA-BACKED
Use public guarantees without pretending to be the bank.
King & Co. can build a routing lane for eligible businesses to participating SBA lenders and Certified Development Companies while keeping underwriting, packaging and referral activity inside the applicable licensing and compensation rules.
King & Co. is not represented here as an SBA-approved lender or CDC. These are partner-capital pathways.
7(a)Up to $5M
SBA 7(a) partner lane
Acquisition, ownership changes, working capital, eligible refinancing, real estate, equipment and multi-purpose business financing through participating SBA lenders.
504Up to $5.5M
SBA 504 / CDC lane
Long-term fixed-asset financing through a Certified Development Company working with a senior lender for eligible real estate, buildings and equipment.
7(a) + 504Up to $10M combined
2026 combined SBA strategy
Eligible borrowers may now combine 7(a) and 504 financing under the SBA's July 4, 2026 policy, creating a larger government-backed capital stack.
CAPITAL ARCHITECT / INTERACTIVE
Tell the system what the money needs to do.
Select a mission and an indicative capital need. The engine shows the structure and controls King & Co. should evaluate before a transaction enters underwriting.
BUY / ACQUIRE$250K–$1M
Acquisition stack
Blend senior secured debt with seller participation and a controlled equity gap instead of forcing one expensive source to do everything.
Potential stack
Senior acquisition loan
Seller note / earnout
Mezzanine or preferred equity
Sponsor equity
Control gates
Quality of earnings
Debt-service capacity
Lien & litigation search
Change-of-control diligence
CAPITAL FORMATION LAB
Six lawful lanes for raising investor capital.
The right pathway depends on the issuer, investors, marketing method, target amount, state footprint, required disclosures and whether the instrument is debt, equity or another security. Nothing below is an active offer.506(b)No federal dollar cap
Private placement
Relationship-driven fundraising without general solicitation. Common for private offerings to accredited investors and, within the rule, a limited number of sophisticated non-accredited investors.
No public advertising of the offering.506(c)No federal dollar cap
Accredited-only public raise
Broad solicitation can be used if every purchaser is accredited and the issuer takes reasonable steps to verify accredited status.
Verification + Form D + state notices.504Up to $10M / 12 months
Regulation D / Rule 504
A smaller exempt-offering lane with federal and state requirements that can fit growth companies needing more flexibility than a purely private 506(b) process.
State registration/exemption analysis matters.REG CFUp to $5M / 12 months
Regulation Crowdfunding
Online securities crowdfunding for eligible issuers, conducted through an SEC-registered broker-dealer or funding portal rather than through King & Co. acting as an unregistered portal.
Registered intermediary required.REG ATier 1 $20M · Tier 2 $75M
Regulation A
A qualified public-offering pathway that can reach a broader investor base, with offering-statement review and additional reporting requirements—especially for Tier 2.
SEC qualification before sales.147 / 147AState-specific
Intrastate offering
A state-focused capital path for eligible issuers doing business in a state and selling only to in-state residents, subject to federal safe-harbor and state securities rules.
Issuer, buyer and state nexus controls.01PATH
02COUNSEL
03DISCLOSURE
04FILINGS
05ELIGIBILITY
06CLOSE
07REPORT
KINGSHIELD™ DEAL OS
Make every loan harder to break.
No structure is literally “foolproof.” The goal is defense in depth: verify first, document precisely, control funding, monitor continuously, and pre-plan remedies.Identity + entity
Verify the borrower, beneficial owners, good standing, authority, sanctions status where applicable, and bank-account control before money moves.
Cash-flow truth
Normalize revenue, reconcile bank activity, analyze debt service, model downside cases, and flag concentration or unexplained inflows.
Collateral + priority
Search liens, validate ownership and valuation, set advance rates, document lien priority, and confirm required insurance and title protection.
Documents + covenants
Use counsel-approved instruments, payment terms, representations, guarantees when justified, covenants, defaults, remedies, and jurisdiction-specific disclosures.
Funding controls
Use closing checklists, verified wiring instructions, escrow or controlled disbursement when appropriate, draw conditions, and dual approval for high-risk changes.
Live monitoring
Track payments, covenant tests, tax/insurance status, borrowing bases, bank signals, maturity dates, exceptions, and early-warning triggers.
Identity / ownership
Fraud signals
Collateral / priority
Covenants / DSCR
Closing checklist
Funding controls
Portfolio monitoring
FUTURE-READY STRUCTURES
New-age capital, built on old-school enforceability.
The platform can evaluate modern structures without treating “innovation” as a substitute for legal clarity. Every lane should map to the correct contract, security, licensing posture, disclosures, servicing model and tax/accounting treatment.
Senior secured
First-priority collateral where appropriate; lower in the stack, stronger payment priority.
Asset-based / borrowing base
Availability tied to eligible receivables, inventory, equipment or other defined collateral.
Unitranche / private credit
One negotiated private facility that can combine senior and subordinated economics.
Mezzanine / preferred
Higher-risk gap capital with negotiated return, covenants, conversion or participation features.
Revenue-linked
Payments designed around revenue performance, with state and product classification reviewed before launch.
Co-invest / SPV
Deal-specific investor participation only through properly documented securities and eligibility workflows.
LEGAL ROUTING LAYER
Scale nationally without pretending every state is the same.
Business credit
ECOA / Regulation B reaches business credit. Underwriting, communications and adverse-action workflows should be designed accordingly.
State lending rules
Licensing, usury, broker rules, commercial-financing disclosures and mortgage rules vary by jurisdiction and product. The rule engine must gate offers before terms are shown.
Securities boundary
Notes, equity, preferred interests, SAFEs, SPVs and pooled interests can be securities. Capital formation must use a valid exemption or registration path and anti-fraud review.
START A CAPITAL REVIEW
Bring the objective. We’ll structure the questions.
Use the intake to describe the transaction, target amount, purpose, timing, collateral and current capital stack. No approval or commitment is created by submitting an inquiry.