Payroll is due? A big order came in? Need equipment, a new location or your own building? Tell us what you need, and your concierge brings back offers from banks, SBA lenders and alternative lenders across America.
Something went wrong and has to be fixed now. Or something bigger is possible and needs funding. Which one is yours?
Money to fix it now.
Money to build what’s next.
“The bank said no and never told us why.”
“A broker sold us expensive money and disappeared.”
“Ten companies call every week. Who do you trust?”
“I have no time to learn credit. I’m running a business.”
“I’m afraid of terms that will choke us later.”
“Our customers pay late, and payroll doesn’t wait.”
Fast money today. A partner for every step after.
Bank money is the cheapest, but banks say no to many small businesses. When a bank says no, there is alternative financing: fast, and open to bad credit. Don’t qualify for a bank today? We get you the money now, then work on your books and credit so you can move to bank money.
| Bank financing | Alternative financing | |
|---|---|---|
| Who lends | Banks, credit unions and SBA lenders | Private funds and alternative lenders |
| Cost | The lowest rates | Higher cost |
| Speed | Weeks | As little as 24–48 hours |
| What they want | Strong credit and clean paperwork | Steady sales; bad credit is not a dead end |
There are more than 8,400 banks and credit unions in America alone. Add SBA lenders, private funds, equipment lenders and factoring companies. With one request, your concierge goes to the market for you.
Choosing who you take money with is one of the biggest decisions an owner makes. Here is how we work.
| Many brokers | Dracarys Finance, your concierge | |
|---|---|---|
| What they sell | The product that pays them the most | The best fit for your task, from across the market |
| What they look at | Your bank statements | Your whole business: customers, reviews, location, season, plans |
| Who you talk to | No names, no faces | One concierge with a name, who knows your business |
| After the money arrives | They disappear | We stay and plan your next step |
You don’t pay us. When you are funded, the lender pays our fee. Our business is built on working with your company for years and earning a little every time we help, so the best terms for you today are the best business for us tomorrow.
Dracarys Finance started as the capital concierge for America’s restaurants and their suppliers. That is still our deepest expertise. For every other business we use the same method: read the whole business, tell its story to each lender in its own language, and bring back the best offers we can find.
Dracarys Finance is a New York-based commercial finance broker and capital concierge. We find business owners financing from banks, SBA lenders, credit unions, private funds and alternative lenders, and help them choose the right offer.
Our deepest expertise is restaurants and the companies that supply them. We also help other small and mid-sized businesses across the United States: retail, services, construction, transportation, healthcare practices, e-commerce and more.
No. Dracarys Finance is a commercial finance broker. Credit decisions and terms are set by third-party lenders and investors.
The lender pays our fee when you are funded. You do not pay us for finding your financing.
Often yes. Alternative lenders look at your sales, not just your score, and some can fund in as little as 24 hours. Then we work to move you to cheaper bank money step by step.
Payroll, inventory, equipment, cash gaps, taxes, repairs, renovation, a new location, buying your building, buying a business, bringing in an investor, or refinancing expensive debt.
Two minutes. No obligation. Your concierge calls you back.