A lending desk and an advisory firm, under one name.
We started Norman Capital because business owners were getting one of two things: fast money with no guidance, or good guidance with no money. We do both.
Every file gets underwritten before it gets shopped. That sounds obvious, but most brokers blast your application to forty lenders and forward whatever comes back. We read the statements, model the cash flow, and send your file only to the partners who will approve it — at the terms it deserves.
The name on the door is .ai for a reason: we use modern, AI-assisted underwriting to review bank statements and match lenders in hours. But the decision on every file is made by a senior advisor who has placed capital in your industry before, and who will still be your contact at renewal.
We review every file in-house before a single lender sees it.
Your application goes to the partners built for your profile — not the whole market.
Every offer with its true cost, prepayment terms, and where it fits in a longer plan.
Renewals, term-outs, and the next round — one advisor, start to finish.
How we decide what to recommend.
These are the rules our advisors work by. If we ever break one, you should walk.
We start with the lowest-cost product you qualify for and only move to faster, pricier options when timing demands it.
We will not put a third, fourth, or fifth position on a business. If you're already stacked, we start with restructuring.
Factor rate, APR equivalent, total payback, fees, and prepayment terms on every offer sheet.
Every funded client leaves with a next-step recommendation — even if the next step is "do nothing for six months."
“We'd rather place $100K correctly than $300K badly. The second one never calls back.”— Norman Capital
Work with an advisor who reads your statements.
Apply, or book a strategy call to talk through the plan before the paperwork.