Your #1 Alternative Capital Partner
BeckEvans & Associates connects small to emerging middle-market companies with flexible Alternative Capital solutions — $1M minimum in revenue, industry-agnostic, and built for growth.
Capital Sources, Made Simple. Capital Readiness, Made Certain.
We do more than connect you to capital — we prepare you to win it. Whether you’re ready to apply today or need guidance to get your business lender-ready, we give you two clear paths forward. With direct access to 75+ alternative lenders and hands-on readiness support, you’ll unlock growth capital faster and with stronger terms
The Gap We Solve
Traditional banks may say no when you need them most. We say yes — by connecting you with a network of over 75+ alternative lenders ready to fuel growth, acquisitions, working capital, and beyond.
Choose Your Path
Every business has a different starting point. Some are ready to apply for capital today, while others need to shore up their financials before lenders will say yes. That’s why we give you two clear paths: move forward with funding now, or work with us to get Capital Ready first.
Our Difference
Our difference is simple: we combine access with readiness. You don’t just get connected to capital — you get equipped to secure it, faster and with stronger terms. We don’t just point you toward capital — we prepare you to win it.
Are You Capital Ready?
✅ The 10 Capital Readiness Check List
Am I prepared to respond quickly with documents?
Funding often goes to the fastest prepared. Missing documents = missed opportunities.
Do I have at least 6 months of operating history with documented revenue?
Lenders need proof your business is established and generating cash flow.
Are my financial statements accurate and up-to-date?
This means clean P&L, balance sheet, and cash flow statements — not just bank statements.
Is my personal and business credit profile strong enough?
Your FICO and business credit both matter. Weak credit doesn’t always kill a deal, but it limits options.
Do I know exactly how much capital I need — and why?
Lenders want a clear “use of funds.” A vague request is a red flag.
Is my debt-to-income (DTI) and debt service coverage ratio (DSCR) healthy?
Can your business realistically service new debt without straining operations?
Do I have a written growth plan or financial forecast?
Lenders fund vision. A simple 12–24 month forecast shows them you’re serious.
Are my taxes filed, current, and clean?
Delinquent or disorganized tax filings can stop funding cold.
Can I demonstrate consistent cash flow?
Spikes and valleys are normal, but lenders want to see predictability in receivables and payments.
Do I have collateral, assets, or contracts to strengthen my case (if needed)?
Not always required, but it makes lenders more comfortable.
Frequently Asked Questions
What makes alternative lenders different from banks?
Unlike traditional banks, alternative lenders focus on speed, flexibility, and a broader risk appetite. They don’t require the same rigid credit scores, years of operating history, or extensive collateral that banks demand. Instead, they look at real-time business performance, revenue trends, and cash flow — often funding in days instead of months.
How fast can I get funding and how much?
In many cases, approvals can happen in 24–72 hours, with funds deposited within a week. Exact timing depends on the type of financing, your documentation, and loan size, but alternative lenders are built to move quickly so you don’t miss opportunities.
Our partners can fund up to $10 million in house for quick financing and with additional underwriting up to $100 million with certain assets.
What types of financing are available?
Alternative lenders offer a wide range of solutions including working capital loans, lines of credit, invoice factoring, equipment financing, merchant cash advances, and even M&A/growth capital. The right option depends on your revenue size, industry, and goals.
Do I need perfect credit to qualify?
No. While credit is still reviewed, it’s not the only factor. Many lenders weigh business cash flow, receivables, and growth potential more heavily than a single credit score. That’s why companies that get declined by banks often qualify with alternative lenders.
How much can I borrow?
Most lenders in our network provide financing from $100,000 up to $100 million, depending on your revenue, business history, and funding need. As a rule of thumb, many businesses qualify for 50%–150% of their average monthly revenue.
What’s the catch — are rates higher?
Alternative financing often carries higher rates than traditional bank loans because of the speed, flexibility, and reduced documentation required. However, the tradeoff is access to capital when you need it most. For many businesses, the opportunity cost of waiting on a bank (or being denied) is far greater than the cost of alternative capital.
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Direct Access to 75+ Alternative Lenders
We have democratized capital. Every client gets connected to a vetted network of funding partners through our partnerships so that you get the most competitive terms.
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Capital Readiness Assessment
We guarantee a thorough review of your financials, documentation, and growth story — so you know exactly how lenders will view your business before you apply.
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Faster, Streamlined Application Process
One application = Multiple Options. We simplify and guide the entire process, ensuring applications are complete, lender-ready, and submitted quickly — saving weeks compared to going it alone.
Testimonials
Real Clients with Real Results
Sometimes you don’t have it all figured out, nor have all the answers. Tell us what you hope to accomplish dnd we will help you figure out the best routes to accomplish your goal.
Highly recommended!
“As a CFO, I’ve dealt with lenders for years, and I can honestly say BeckEvans & Associates made the process smoother than I thought possible. They didn’t just introduce us to funding sources — they helped clean up our financial presentation, so we went in confident. We secured $3M in growth capital in weeks, not months.”
Beth R.
CFO
Fast Response Time!
“Running a business means opportunities come fast, so we needed a quick decision and BeckEvans & Associates understood that urgency. They connected us with an alternative lender who had a Sub Debt product that allowed us to move fast without tying up collateral. The funding we secured allowed us to expand into a new market.”
Darlene J.
CEO
Preparedness
“Our team was buried in day-to-day operations and didn’t have time to prepare a lender-ready package. BeckEvans & Associates stepped in with their Capital Readiness process and made it simple. Not only did we secure financing, but I now have a clearer strategy for managing debt and cash flow moving forward.”
Bill W.
Director of Finance
BeckEvans and Associates Ltd. Co. 