Four channels. Pick whichever.
info@optain.co
We reply inside an hour during business days.
Phone
+1 (833) 863-3863
Call gets a person, not a phone tree.
Headquarters
7901 4th St N Ste 300, St. Petersburg, FL 33702
C&F Capital Group LLC
Hours
Monday – Friday, 9am – 6pm ET
Off hours? Send the form. We pick it up first thing in the morning.
Faster path
Skip the email. Run the application.
Five minutes of inputs, soft credit pull, no score impact. An underwriter calls you back the same business day with numbers attached to your actual file.
- Soft pull only. Your score stays put.
- Zero upfront fees. Not now, not at close.
- Same-day callback on weekday submissions.
- Your underwriter is assigned the moment you submit.
256-bit encryption · SOC 2 controls
The five questions we get on every call.
Almost any legal US business. We have closed files for a one-person consulting shop, a twenty-truck logistics operation, restaurant groups, medical practices, SaaS startups, and plenty in between. Your sector matters more for which lender we route you to than for whether you qualify at all.
Most clients have terms back within two business days and money wired in one to seven. Revenue-based products and merchant advances can hit the account the day after approval. SBA and commercial real estate run slower because the lender does, not because we do.
It depends entirely on the product. Unsecured working-capital lines usually want 600 and up. SBA and 0% stacking look for 680 or higher. Asset-based and revenue-based products care more about cash flow than FICO. Your underwriter sequences the file around whatever score you bring to the table.
No. The discovery call, the intake, and everything up to funding is free to the borrower. Optain gets paid by the lender on closed deals. Any product fees are disclosed in writing before you sign, and we flag them on the call.
Yes. We work with several products built for operations under six months old. Expect a smaller initial facility. The goal of round one is to build a track record. Round two usually unlocks more.
Put the one application to work.
One file. Every product. A person who owns the outcome.
Soft credit pull. No hard inquiry unless you accept terms.