Services
Direct lending is what we do. Wealth, automation, and legal are who we know. When your business needs more than capital, we bring in the specialists we'd hire ourselves.
01 — Alternative Direct Lending
We fund in-house. Your file stays confidential, you talk to the person who approves the deal, and the structure is built around what your business can actually carry.
01
Fixed-rate working capital with a defined payback schedule. For owners who want predictability — fund a build-out, hire a team, lock in inventory.
02
Advance against your receivables. Stop waiting 30, 60, 90 days for your customers — convert invoices into working capital this week.
03
Finance trucks, machinery, kitchen build-outs, medical equipment. The asset itself collateralizes the loan, so pricing reflects that.
04
MCA structured around real cashflow. Fair pricing, transparent flat fees, payments that scale with your deposits.
05
Restructure existing positions into better terms. We unwind stacks that are crushing cashflow and replace them with something sustainable.
06
One payment, one lender, one relationship. We consolidate multiple advances or loans into a single position that actually works for your books.
07
Tap personal real estate for business capital at a fraction of MCA pricing. Up to $1M, funded in as little as 3 days.
For owners with real estate equity, a Home Equity Line of Credit can unlock up to $1M at lower cost than MCA. It's not for everyone — quick eligibility check on the right.
Eligibility check
~ 10 seconds
02 — Wealth Management
Through our partners and referral programs, we connect business owners with advisors who manage the cash their company creates — not just the next round of working capital.
Featured partner
Active referral program with CitiBank Wealth.
For qualifying clients, we make introductions into CitiBank's private wealth advisory channel — a relationship we've built over years of placing the right owners with the right advisors.
Payday Capital is not affiliated with, endorsed by, or a subsidiary of Citibank, N.A. or its affiliates. We are an independent referral partner and may receive compensation when a referred client engages a wealth management partner.
03 — AI Integration & Automation
Want a website and digital presence as polished as ours? We've got you covered. Our team builds, automates, and integrates the tools that let your business run itself — while you focus on what you do best.
Embed AI into your existing tools — CRMs, spreadsheets, customer support, and operations. We help you pick the right models and plug them in where they actually save time.
Eliminate repetitive work across invoicing, scheduling, lead routing, and reporting. We design workflows that run while you focus on growth.
End-to-end process redesign. From intake to fulfillment, we map your operations and automate the bottlenecks that are eating your margins.
Strategic advisory on tech stack, vendor selection, and digital transformation. We show you what's worth building vs. what's worth buying — then help you implement it.
Want a site as good as ours?
We build modern, fast, lead-generating websites and automate the follow-up behind them. From AI chatbots to CRM integrations, we handle the tech so you can handle the business.
04 — Legal Services
Through our network of independent, contracted third-party attorneys, we connect clients to specialists in the practice areas that come up most often in the small-business world. We do not employ attorneys; we make warm introductions to vetted legal professionals.
Estate planning, Medicaid planning, asset protection, and trusts — through attorneys who specialize in protecting aging families.
Civil and commercial litigators for contract disputes, partnership conflicts, and business defense matters.
IP counsel for patent filings, trademark registration, and protecting what your business has built.
Collections attorneys who recover what you're owed — without the predatory tactics that damage your customer relationships.
Payday Capital is not a law firm. Legal services are provided by independent third-party attorneys as a referral only. We may receive a referral fee or commission when a client engages a referred attorney.
And more
Insurance partners, accounting referrals, SBA introductions, commercial real estate financing. Our network is wider than this page. If you need it and it's adjacent to capital, we probably know someone.
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