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Nanotom Capital

Entrepreneurs & Business Owners

Get The Capital Your Business Needs To Grow

Whether you're a startup, established business, or real estate investor, access flexible financing solutions to fuel your next big move.

300+
businesses funded since 2012
$6M+
provided in financing
4.7 Stars
from happy customers
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Explore Funding Options

Find Your Fit

$15K to $5M across 6 funding types

Loan Calculator

Run The Numbers

Estimate your payment in under 60 seconds

DIY Programs

Get Funding-Ready

Self-paced courses in credit repair, credit 101, and budgeting

How It Works

Funding That Moves At Your Speed.

Three Steps To Funding Your Future

  1. Complete the application.

    Answer a few questions about your business — it takes minutes — and an in-house loan advisor will call to talk through what you need.

  2. Get a decision.

    Your advisor comes back with the options you actually qualify for, often the same day, and helps you weigh them side by side.

  3. Receive your funds.

    Sign your contract and the money can land as soon as the same day — yours to put to work at whatever pace the business needs.

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Use of Funds

What Can You Do With Funding From Nanotom Capital?

  • Purchase inventory
  • Cover payroll
  • Expand or renovate
  • Launch marketing campaigns
  • Stabilize cash flow
  • Upgrade equipment
  • Hire more employees
  • Consolidate business debt
The Nanotom Capital Advantage

Funding Options Built To Work For You.

The Ultimate Revolving Line of Credit

Get the financial flexibility your business demands with BANKROLL's industry-leading revolving credit line. Access up to $1,500,000 in capital with the freedom to draw funds when you need them and pay down principal when cash flow allows.

  • Massive Credit Limits — Approvals up to $1,500,000
  • True Flexibility — Unlimited draws and paydowns of $5,000+ during your 1-year revolving period
  • Predictable Payments — Fixed weekly payments over terms up to 36 months
  • Complete Control — You decide when to borrow, how much to pay, and when to pay off
  • No Penalties — Early payoff available anytime without fees
  • Smart Financing — Pay interest only on what you use, with no minimum finance charges
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Great for keeping funds on hand

Pay Only The Interest For Up To A Year

Access up to $750,000 with the ultimate cash flow solution. Pay only interest for up to one full year while enjoying unlimited access to additional funds through your built-in line of credit.

  • Lower Entry Point — Start with just $50,000 (reduced from $150,000)
  • Interest-Only Freedom — Pay only interest for up to 52 weeks
  • Built-In Line of Credit — Unlimited draws of $25,000+ during your interest-only period
  • Maximum Flexibility — Take your initial loan in multiple draws across consecutive business days
  • Safety Net Included — Built-in rollover amortization option up to 2 years
  • Smart Structure — Your credit line equals the difference between your approval and initial draw
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Equipment Financing That Pays for Itself

Finance the machine, vehicle or system your business runs on and let it earn while you pay for it. The equipment secures the loan, so approvals lean on what you are buying rather than on the collateral you already own.

  • New or Used — Dealer, private-party and auction purchases all qualify
  • Application Only — No financial statements required on most requests under $250,000
  • Terms to Match the Asset — Repayment from 12 to 84 months
  • Self-Collateralizing — The equipment is the security — no blanket lien on other assets
  • Section 179 Eligible — Most financed equipment can be written off
  • Fast Turnaround — Approvals in hours, funding often within two days
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Working Capital When Timing Is Everything

A lump sum up front with a fixed, predictable payoff — built for payroll, inventory and the gaps between invoicing and getting paid. Approval looks at how your business actually performs, not only at your credit file.

  • Right-Sized Amounts — From $15,000 to $2,000,000
  • Short and Clear — Terms from 3 to 36 months, no open-ended balance
  • Payments That Fit — Daily, weekly or monthly, matched to your cash cycle
  • Revenue-Led Underwriting — Recent deposits carry more weight than FICO
  • Early Payoff Discounts — Settle ahead of schedule and pay less interest
  • Same-Day Funding — Available once your file is complete
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Get Started

Not Sure What Is Best For You?

  • Answer a few simple questions
  • We will look at your particular situation
  • We'll send you some recommendations

Are We A Match? Check Our Minimum Requirements.

As little as
30 Days
in business
Be on the approved
Industries
list
Minimum
551
personal FICO® score

We look beyond your credit score to say 'Yes' when others won't.

Below 551, Or Under 30 Days In Business?

Our DIY programs walk you through credit repair, business credit, and budgeting so you can come back approval-ready.

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Testimonials

What Others Are Saying

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Insights & Guides

From The Nanotom Capital Blog

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Denis Brandao

Founder & CEO @ Nanotom Capital and Nanotom Labs

Working Capital Formula: How to Calculate It

Key Takeaways The working capital formula is simple: Current Assets − Current Liabilities. A positive result means you can cover short-term obligations; a negative result means you're at liquidity…

Read More

Denis Brandao

Founder & CEO @ Nanotom Capital and Nanotom Labs

Credit Scores for Business Loans: What You Need

Key Takeaways Only 51% of small business loan applicants get fully approved, and credit issues account for 26–45% of all denials, making your credit score the single most important factor to fix…

Read More

Denis Brandao

Founder & CEO @ Nanotom Capital and Nanotom Labs

What Is Working Capital? Definition & Explanation

Key Takeaways Working capital = current assets − current liabilities. A positive number means you can cover short-term obligations; a negative number means liabilities exceed available resources.…

Read More

Frequently Asked Questions

If your question is not answered here, ask us directly — an advisor will work through it with you, and there is nothing to sign to have the conversation.

Ask a Question

  • What is online business financing?

    Capital your business applies for and receives through a digital lender rather than a bank branch. It covers structures like small business loans, lines of credit and revenue advances. The application, the document upload and the funding all happen online, which is why a decision comes back in hours rather than weeks.

  • How does online business financing work?

    You submit an online application, an in-house loan advisor reviews your business and talks through what you actually need, and a decision comes back — often the same day. Once you accept an offer and sign, funds can land as soon as that same day. Nanotom Capital looks at your revenue, your time in business and your cash flow rather than at a credit score alone.

  • How fast can I get funded?

    Decisions often come back the same day once your documentation is in, and funds can land as soon as the day you sign. Timelines vary by program and by how quickly you can get documents to us.

  • What credit score do I need?

    Nanotom Capital works with businesses from a 551 personal FICO® score. A stronger score opens up more options, but credit is only one input — revenue consistency, time in business and overall cash flow all count, and some programs still work for businesses with less-than-perfect credit. Below 551, the DIY programs are built to get you back to approval-ready.

  • Will applying affect my credit score?

    No. Applications are reviewed with a soft credit check, which does not affect your credit score. There is no cost to apply and no obligation to accept an offer.

  • What can I use the funds for?

    Essentially any business purpose: payroll, inventory, equipment, renovations, marketing, expansion, or bridging the gap between invoicing and getting paid. Nanotom Capital does not restrict how you spread the capital across the business.

  • What do I need to apply?

    Nothing, to start. The first step is just a form — nothing to gather and nothing to upload, and it is enough for our team to review. Start the intake form. For a full application we will need proof of identity, your last three bank statements, and a signed merchant authorization.