An independent capital desk.
Summit Private Credit places business financing across nine product lines with a vetted network of direct lenders and institutional partners. We work for the borrower, not for a single funder — every file is shopped, structured, and negotiated before it closes.
Independent placement
We are not a single direct lender. Every transaction is shopped across a vetted network of capital sources so the structure, pricing, and term are negotiated — not taken.
Nine product lines
MCA, lines of credit, term loans, equipment financing, invoice factoring, asset-based lending, commercial real estate, bridge financing, and direct lending — all underwritten in-house before placement.
Senior-led underwriting
Every file is reviewed by a senior underwriter against current lender appetite before it goes out. We do not bulk-blast submissions, and we do not stack offers that hurt the borrower.
Transparent economics
Borrowers see total cost of capital — factor rate, APR equivalent, holdback, fees — before they sign anything. Broker compensation is disclosed in writing on every transaction.
How we make money
Summit is compensated by the lender at funding — typically a fee paid out of closing, disclosed in writing on the term sheet. Borrowers pay nothing to apply, nothing to receive offers, and nothing if they choose not to move forward. Our incentive is to place capital that actually closes and performs, because referral and renewal volume is how the desk scales.
Where to go next
- How it works → The 4-step process from intake to funded.
- Funding products → All nine product lines with terms and qualification.
- FAQ → The questions borrowers ask most often.
- Apply → Confidential intake. No credit pull.