Built on One
Principle: Integrity
We started Integrity Cap because we saw an industry broken by conflicts of interest. Brokers pushing products that paid them the most. Lenders trapping businesses in daily-payment cycles. We decided to do it differently.
We Refuse to Participate in the MCA Machine
Merchant Cash Advances are not financing. They are a revenue extraction tool disguised as funding. When a broker earns 10x more to push an MCA than a bank loan, the incentive system is broken.
We built Integrity Cap to be different. Our revenue model is aligned with your success. We earn origination fees when you get funded with real bank capital at fair rates. We have no MCA products. We take no MCA commissions. Zero.
That is the promise we make to every client. It is why we built a network of 75+ banking partners and why we fight for every deal to get to the right lender, not the most profitable one for us.
Our Core Values
These are not marketing words. They are the operating principles that determine which products we offer, which lenders we work with, and how we treat every client.
Integrity First
We never recommend a product because it pays us more. If bank financing is not right for you, we will tell you. Our name is not a tagline. It is a commitment we make to every client we work with.
Full Transparency
You know the rate before you sign. You know the total cost before you commit. We use real APR calculations, not factor rates designed to obscure what financing actually costs your business.
Dedicated Advocacy
Every client gets a dedicated consultant who knows your file, your business, and your goals. We fight for your deal at the credit committee level. We are your advocate, not a transaction processor.
Speed Without Sacrifice
Average 72-hour approvals. Funding in days. We are fast because we prepare better submissions, not because we cut corners. Quality packaging is why our approval rates are higher than industry average.
Long-Term Thinking
We optimize for your 5-year financial health, not our short-term commission. That means matching you with the right lender, the right term, and the right payment structure for your specific situation.
Access for All
Small businesses deserve access to the same quality of financing that large corporations receive. We bridge that gap by leveraging our lender network and expertise to get you bank-quality terms regardless of size.
"After being burned by two different MCA companies, I was skeptical. Integrity Cap restored my faith in business lending. Fixed monthly payments, real rates, real people."
What Makes Us Different
Most brokers sell whatever pays them the most. We built a different kind of company from the ground up.
Monthly Payments Only
Every product we offer has fixed monthly payments. Daily and weekly payment structures are designed to extract capital from your business. We refuse to participate in that system.
Banking Partners
We broker across a deep network of conventional banks and SBA lenders. More partners means more competition for your deal, which means better rates and terms tailored to your specific situation.
Zero MCA Products
We do not offer MCAs. We do not earn MCA commissions. Our entire business model is built on bank financing. This is not a marketing position. It is our operating reality.
Leadership
Real people who answer the phone, know your file, and fight for your best outcome at every step.
Matthew Carlucci
Matt founded Integrity Cap after watching too many businesses get trapped in predatory MCA cycles. He built the lender network, the operational infrastructure, and the culture that makes Integrity Cap what it is. His vision: every business deserves bank-quality financing.
Senior Loan Consultants
Our consultants are not salespeople. They are financing specialists who have seen hundreds of deal structures and know which lenders match which business profiles. Your consultant owns your file from application to funding.
Underwriting Support
A professional submission package is the single biggest factor in approval success. Our underwriting team prepares every file to lender standards before a single document is sent, dramatically improving approval rates and speed.
How Integrity Cap Came to Be
Integrity Cap was founded on a simple observation: the commercial financing industry had a fundamental conflict of interest problem. The products that paid brokers the most were the products that hurt business owners the most.
We decided to build a brokerage where the incentive structure was aligned with client outcomes. Where getting you a lower rate and better terms was the goal, not an afterthought. That decision shaped everything about how we built this company.
Matthew Carlucci establishes Integrity Cap Solutions LLC with a simple mandate: conventional bank financing only, no MCA products, full transparency on every deal.
Strategic relationships with community banks, regional banks, and credit unions allow us to match more business profiles to more lender options. Approval rates climb.
We cross $250M in funded conventional bank loans. Every dollar in monthly payments instead of daily withdrawals. Every deal a business saved from MCA debt.
Integrity Cap is now one of the leading commercial finance brokerages in the country, with a track record of $250M+ funded and a network of 75+ banking partners nationwide.