When you need business financing, you have two main paths: apply directly with a lender, or go through a broker. Most business owners don't know the difference — until they see their final cost.
What Is a Direct Lender?
A direct lender like Solvic Capital funds your business with its own capital. We make the approval decision, we write the offer, and we send the money. There is no one between you and the funding source.
What Is a Broker?
A broker acts as an intermediary. They collect your application, shop it to multiple lenders, and collect a commission when you get funded. That commission typically comes from your offer — meaning your rate is marked up above what the lender would have charged directly.
The Cost Difference
A direct offer from a lender might carry a 1.25 factor rate. By the time a broker adds their fee, that same advance might cost 1.35 or 1.40. On a $50,000 advance, that's an extra $5,000–$7,500 out of your pocket.
Speed Difference
When you apply through a broker, your application passes through multiple hands before reaching a lender. With a direct lender like Solvic Capital, your application goes directly to our underwriting team — cutting days off the approval timeline.
Why Solvic Capital Is Different
Solvic Capital is a direct lender. We fund businesses with our own capital. Your application goes directly to our team. Your money comes directly from us. No broker in the middle, no broker fee on your offer.