Business loans from people who read the whole file.
Bowser Capital lends $10,000 to $5 million to small and mid-sized businesses: term loans, lines of credit, equipment and real estate. Your loan officer knows your file, and every decision carries a person's name.
Most decisions within five business days.
Two Rivers Brewing Co
Fermentation tank upgrade · 9 years in business
- Amount
- $47,500
- Product
- Equipment finance
- Term
- 60 months, fixed
- Security
- Titled fermentation tanks
- Decided by
- Loan officer, within authority
Taproom revenue carries the file.
Approved without exception.
What we lend for
All business loans- Term loansFor a second location, a build-out or a partner buyout.$25,000 to $2 million1 to 10 years
- Lines of creditWorking capital for slow months and late invoices.$10,000 to $500,000Renews every 12 months
- Equipment and fleet financeOvens, dental chairs, tractors: anything with a serial number.$10,000 to $5 million2 to 7 years, matched to the equipment
- Commercial real estateBuy the building you work in, or build out the one you lease.$250,000 to $5 millionUp to 25 years
How a loan works here
Step 1
Apply online
Ten minutes, and no documents to start. Tell us what the money is for.
Step 2
Meet your loan officer
One person from first call to funding. They'll ask for statements and returns, and read them.
Step 3
A decision with a name on it
Your officer approves up to $50,000. Above that, our VP Credit or chief credit officer decides, and you'll know which.
Step 4
Funding
Sign the papers and the money lands in your account within days.
Recently funded
We lend to dental practices, bakeries, breweries, clinics and freight companies. Each of these started with the same short application.
| Business | Loan | Amount |
|---|---|---|
| Cedar Point Dental GroupDental practice, 11 years in business | Operatory equipmentEquipment finance | $38,000 |
| Two Rivers Brewing CoBrewery and taproom, 9 years in business | Fermentation tank upgradeEquipment finance | $47,500 |
Our loan officers work with AI agents. The agents work by our rules.
An agent can read a file, check it against policy and draft the borrower's email. It acts as the officer who asked, never above their authority, and everything it does is on the record.
Ready when you are.
Apply in ten minutes. A loan officer picks up your application the same day.