01
Tell us about the business
Two minutes on your phone. No documents to start, and it does not touch your credit.
Capital,
in the best light.
Business funding up to $2M. We find the offers, then lay every one out in plain English before you sign. What lands, what you pay back, and how you get out.
Who we work for
For the people who open the shutters.
Contractors, chefs, shop owners, drivers. People who run real businesses and want the whole deal shown to them, straight.
Find your industry
Everyone sells speed. Nobody shows the whole deal. We put every offer in daylight.
How it goes
Four steps, all of them in daylight.
02
See every offer, side by side
Cash that lands, every fee by name, total payback, payment, term and the way out. Same plain format for every funder.
03
Pick the one that fits
Ask anything. Take your time. Nobody else calls you, and we never sell your information.
04
Get back to work
The money lands and your specialist stays your specialist. Same person, same direct line.
Got an offer? See what it really says.
The Offer Decoder is free. Type in any offer, from us or anyone else, and see the cash that lands, every fee, the total payback and what a slow month does to your payment.
The offer you got
Sample numbers shown, not ours. Type in the numbers from your offer.
Sample fees
Origination fee, taken out up front$2,500
Underwriting fee, taken out up front$495
The full decoder lets you add every fee on your offer, mark which ones come out of the funding, and drag a slider to see what a slow month does to your payment.
In daylight
Cash that lands in your account$97,005
Cash to youCost of the funding
- Total you pay back
- $135,000
- Origination fee, taken out up front
- $2,500
- Underwriting fee, taken out up front
- $495
- Cost of this funding
- $37,995
- Cost for every $1 that lands
- $0.39
- Number of daily payments
- 200
- About how much per month
- $14,175
- Estimated last payment
- ...
Example math from the numbers you enter. Not an offer or a quote. Estimated end date counts business days only. Actual terms are set by the funder in your agreement.
The Goldhour Standard
Six promises a broker can actually keep.
1
Every offer, side by side
Cash that lands, every fee by name, total payback, payment, term and exit terms, in the same plain format for every funder.
2
One application. One company calls you.
We never sell or share your information. No dozen calls from strangers after you apply.
3
The same person, before and after
A named specialist with a direct line who still picks up after the money lands.
4
The slow week, in writing
We ask how payments adjust when sales drop, and put the answer on your offer sheet before you sign.
5
The way out, up front
Early payoff terms, the last payment date and how the lien gets released, shown before anything is signed.
6
Renewals, honestly
If you renew, we show new cash in hand separately from what only pays off the old balance.
See your options
Start with a number. We'll take it from there.
About two minutes. No documents to start. Rather talk? Chat with us instead.
How much are you looking for?
$100,000
$5K$100K$500K$2M
We speak contractor, chef and shop owner.
Fifty industries, each with its own page on when cash gets tight, what owners fund, and what to ask before you sign.
RestaurantsPayroll lands before the weekend rushGeneral contractors and constructionJob costs come before the first drawTrucking companiesFuel before the load paysMedical practicesInsurance claims take time to paySalons and barbershopsPayroll lands before every appointment is paid outAuto repair shopsParts bills come before the repair is paidRetail boutiques and apparelBuying seasonal inventory ahead of salesHVAC contractorsBuying equipment before peak seasonEcommerce brandsSupplier deposits come before customer demand is provenDental practicesInsurance claims waiting to clear
All 50 industriesStraight answers.
All questionsWhat does Goldhour Capital do?
Goldhour Capital is a New York business funding brokerage. We match business owners with funding partners. We do not set the terms of an offer.
How do I get started?
Complete one application through our interactive form or chat-style form. A specialist will learn about your business and help you understand possible options.
What happens after I apply?
We review what you share and help connect you with a funding option that may fit. If you receive an offer, we break down its terms in plain English before you sign.
How much funding may be available?
Funding may be available up to $2M. The amount and terms depend on the funding partner and your business details. An application is not a promise of an offer.
Do I have to accept an offer?
No. You can review the details, ask questions, and decide whether to move forward. Take the time you need.
Who are the owners you usually work with?
Owners we usually work with have been in business for 1+ year, have 550+ credit, and bring in $50K+ in monthly revenue. These are typical fit guidelines, not automatic cutoffs.
