We provide fast, transparent term loans designed for small and medium-sized businesses. Whether you’re expanding operations, hiring staff, or stabilizing cash flow, Cipher gives you access to the capital you need when you need it.
At Cipher Capital, we believe in empowering small and medium-sized businesses with access to fair and transparent financing. Our mission is to simplify the lending experience and provide funding solutions that help owners build stability and long-term growth.
Quick decisions and efficient processing, so you get funded without unnecessary delays.
We customize each term loan around your business goals and cash-flow needs.
We value long-term partnerships built on trust, transparency, and consistent support.
Our team has years of experience helping small and medium-sized businesses access the capital they need, with funding solutions built on trust, transparency, and long-term relationships.
Our experts bring decades of combined experience in business lending to help you make financial decisions.
Streamlined applications and quick approvals ensure you get the capital you need, right when you need it.
We pride ourselves on providing reliable, responsive, and personalized support, helping every client experience a smoother, faster funding journey.
Complete our short online intake form to tell us about your business and funding goals.
Our team reviews your application and identifies the right loan structure for your needs.
Once approved, funds are deposited quickly so you can move forward without delay.
Use your term loan to expand, hire, or stabilize cash flow, and build a lasting partnership with Cipher Capital.
Don’t take our word for it, see what our clients say.
Cipher made the process incredibly simple. We were approved quickly, the terms were clear, and the funding arrived exactly when we needed it.
What stood out was the transparency. No surprises, no confusing fine print—just straightforward funding that helped us keep moving.
We used Cipher to stabilize cash flow during a busy season, and it made a huge difference. The speed and communication were top-notch.
Cipher understood our business and worked with us, not against us. The term loan helped us hire and expand without slowing down.
Every business is unique, but the need for reliable funding is universal. At Cipher Capital, we partner with companies across a wide range of industries to provide flexible term loans that help fuel growth, stability, and opportunity.
Cipher Capital serves a wide range of small and medium-sized businesses, so reach out to discuss a custom funding solution for your specific needs.
Join our referral program and earn rewards by connecting businesses with fast, flexible funding solutions from Cipher Capital.
Didn’t find what you’re looking for? Scroll down and fill out our contact form, and our team will reach out to help you explore your funding options.
A term loan is a fixed-amount business loan that’s repaid over a set schedule with predictable payments. It’s ideal for growth, expansion, or stabilizing cash flow.
Most applications are reviewed within 24 hours. Once approved funds are typically available within a few hours
We work with a wide range of small and medium-sized businesses, from healthcare and construction to retail, transportation, and professional services.
We evaluate your business’s cash flow, time in operation, and overall financial health. Our goal is to find the right structure for your unique situation.
Repayments are made on a fixed schedule, designed to align with your business's cash flow cycle, stress fee management.
Have questions about our loan programs, or ready to get started?
Reach out to our team, and we’ll review your request and contact you as soon as possible to discuss your options.
