Frequently Asked Questions

Motenza Capital is a multi-source commercial capital platform that evaluates business funding opportunities across private or affiliated capital resources, strategic capital relationships, and independent institutional and specialty funding providers.

No. Motenza Capital is not a bank or depository institution. Depending on the transaction, Motenza Capital may act as an arranger or referral platform, facilitate access to private or affiliated capital resources, or connect applicants with independent third-party funding providers. The entity identified in the final financing agreement is the actual provider of capital.

Select commercial opportunities may be considered through private or affiliated capital resources available within the Motenza network. Availability depends on transaction size, structure, risk profile, documentation, internal review, and current capital allocation.

Select transactions may be considered through private or affiliated capital resources available within the Motenza network. Depending on the transaction, Motenza Capital may arrange financing, coordinate access to private or affiliated capital sources, or connect the business with an independent funding provider. The entity identified in the final financing agreement is the actual provider of capital.

A decision by one capital source does not necessarily end the process. When appropriate, our team may evaluate whether the opportunity fits another available private, strategic, institutional, or specialty capital channel.

Each capital source applies its own underwriting standards. Motenza may conduct an internal preliminary review, but the provider identified for the transaction makes the applicable final approval and funding decision.

Depending on eligibility, transaction structure, capital availability, and provider requirements, available structures may include business funding, working capital, business lines of credit, equipment financing, SBA financing, invoice factoring, revenue-based financing, commercial real estate financing, auto dealer financing, and other commercial capital solutions.

You can complete a short online application through our website. Our team may then request additional business or financial information needed to evaluate potential funding options.

Requirements vary by transaction and capital source, but commonly requested documents may include business bank statements, identification, business formation documents, proof of ownership, tax information, financial statements, and other underwriting materials.

No. Submission of an application does not guarantee approval, terms, or funding. Each capital source applies its own underwriting standards, and the provider identified for the transaction makes the applicable final approval and funding decision.

Timing depends on the financing structure, completeness of the application, underwriting requirements, documentation, and applicable capital source. Some commercial funding transactions may move quickly, while SBA, equipment, or real estate financing may require additional review and documentation.

That depends on the applicable capital source and product. Some providers may use soft credit inquiries during an initial review, while others may require a hard credit inquiry before final approval. Any applicable authorization should be disclosed before the inquiry is made.

Unless specifically disclosed otherwise, Motenza Capital does not charge an upfront application fee simply for submitting a funding request.

Compensation may vary depending on the transaction and capital source and will be handled in accordance with the applicable arrangement and required disclosures.

When multiple suitable structures or capital paths are available, Motenza Capital may help organize and present the applicable amounts, costs, terms, payment structures, and documentation requirements.

No. You are not obligated to accept a financing offer simply because you submitted an application or received potential funding options.

Some capital sources may consider newer businesses, while others require a minimum time in business, revenue history, or other qualifications. Eligibility depends on the specific financing structure and applicable provider.

Potentially. Commercial financing decisions may consider many factors, including business revenue, cash flow, time in business, industry, existing obligations, and credit history. A lower credit score does not necessarily mean that no options are available.

For SBA-related financing, eligible opportunities may be evaluated for placement with participating third-party SBA lenders. Motenza Capital is not the U.S. Small Business Administration and is not affiliated with or endorsed by any government agency.

No. Motenza Capital focuses on financing for legitimate business and commercial purposes and does not offer consumer-purpose or residential mortgage loans through this website.

Availability depends on the financing structure, applicable capital source, business location, and state laws.

Certain products or capital channels may not be available in every state.

Motenza Capital uses reasonable measures intended to protect information submitted through our website. Sensitive financial documents may also be collected through secure systems or applicable provider portals when appropriate.

Yes. You can contact our team to discuss your business funding needs before submitting a full application.

For general inquiries, contact support@motenzacapital.com