About AXIS
Working capital, on your axis.
AXIS Capital is a Sacramento-based commercial finance company that helps business owners access working capital, directly and through a network of funding partners. One advisor works your file across every product, instead of a form that scatters it to a dozen lenders.
Why we exist
One advisor, one file, terms you can read.
Most funding sites are a lead form. Fill it out once and the same file lands in a dozen brokers' inboxes by lunch.
That model optimizes for volume, not fit: more brokers calling means more offers to sort through, not necessarily a better one. AXIS works differently. One advisor reviews your file, shops it across our own products and partner network, and explains the trade-offs between them before you decide anything.
The AXIS answer
One advisor who knows your file, terms disclosed in writing before you sign, and an honest answer about which product actually fits, even when it is the cheaper one.
How we work
How AXIS puts a file together.
The same discipline applies whether the file is a merchant cash advance or a term loan.
Revenue-first underwriting
We read bank statements and deposit trends, not just a credit report. Strong, consistent revenue can outweigh a rough score.
One advisor across products
The same person who takes your application shops it across MCA, lines, equipment and term structures, not just one.
Plain-English terms
Total payback, factor rate or APR, payment schedule and prepayment terms are in writing before you sign anything.
Built for renewals
Every file is underwritten with the next round in mind: renewals, higher limits and better pricing as history builds.
Our standards
What we commit to on every file.
- Total payback disclosed before you sign, not after
- No hidden fees buried in the agreement
- Soft credit pull to apply, every time
- No pressure tactics or countdown-clock offers
- We tell you when a cheaper product fits better, even if it is not the one you asked about
- Business-purpose financing only, never a consumer loan
Who we fund
Built for the trades that run on cash flow.
Six industries where getting paid late and paying early is just how the work goes.
Trucking & Logistics
Keep the wheels turning between invoices.
Funding for TruckingRestaurants & Food Service
Fund the slow season before it starts.
Funding for RestaurantsContractors & Construction
Start the job before the draw clears.
Funding for ContractorsRetail & Storefronts
Stock the shelves for the season that pays the year.
Funding for RetailMedical, Dental & Wellness
Grow the practice without waiting on reimbursements.
Funding for MedicalE-commerce & Online Sellers
Buy inventory at the pace your ads can sell it.
Funding for E-commerceWhere we are
Sacramento, CA
Mon to Fri, 7am to 6pm PT
Straight answers
Questions owners ask about AXIS.
Are you a direct funder or a broker?
Both. AXIS funds some deals directly and places others through a network of funding partners. Which applies to your offer is disclosed before you sign, product by product.
Where are you licensed?
AXIS Capital operates under applicable state commercial financing laws. See Disclosures for the specifics that apply to your state and product.
Do you fund startups?
Our floor is 6 months in business with consistent monthly revenue. Under that, we typically cannot help yet, but an advisor can tell you what to expect once you cross it.
Do you sell my data?
No. See Privacy for exactly what is collected, how it is used, and who it is shared with to process an application.
How do you make money?
Through funding fees or commissions tied to the products we originate or place, disclosed in the agreement you sign, not through selling your file to other lenders.
Ready to see your numbers?
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.