Question 1

What does Thalos Capital do?

Accepted Answer

Thalos Capital is a commercial finance origination and advisory firm. We work on the borrower's side to help businesses across the US and Canada secure financing, faster and on better terms than approaching lenders one at a time. We structure the request, then match it to the right capital source from a vetted network.

Question 2

How much financing can Thalos Capital help arrange?

Accepted Answer

We support financing needs from $50K to $75M+, across equipment financing, working capital, asset-based lending, and strategic debt and acquisition financing.

Question 3

Where does Thalos Capital operate?

Accepted Answer

We work with businesses across the United States and Canada.

Question 4

How fast can I get a response?

Accepted Answer

After you submit a request, we review and route it the same day and respond within one business day with the next step.

Question 5

What is equipment financing, and when would I use it?

Accepted Answer

Equipment financing lets you acquire or upgrade equipment without paying the full cost upfront, so you preserve cash for operations. It covers assets like manufacturing and automation systems, transportation fleets, construction and medical equipment, and technology infrastructure. It's the right tool when you need a specific asset to operate or grow and want to spread its cost over the useful life of the equipment rather than draining working capital.

Question 6

What's the difference between a lease and a loan for equipment?

Accepted Answer

With an equipment loan (term debt), you borrow to buy the asset and own it outright once it's repaid. With a lease, you pay to use the asset over a set term, and depending on the structure you may own it at the end, return it, or renew. Loans suit assets you'll keep long-term; leases suit assets you may want to upgrade or that depreciate quickly. A sale-leaseback is a third option: you sell equipment you already own to a funder and lease it back, turning an owned asset into immediate cash while continuing to use it.

Question 7

What is working capital financing, and how is it different from equipment financing?

Accepted Answer

Working capital financing funds the day-to-day running of the business, inventory, payroll, supplier payments, and growth, rather than a specific asset. It typically comes as a revolving line of credit you draw on and repay as needed, cash-flow financing, or receivables-based facilities. Equipment financing buys a long-term asset; working capital smooths the timing gaps between money going out and coming in.

Question 8

What is asset-based lending (ABL)?

Accepted Answer

Asset-based lending is financing secured by your business assets, most commonly accounts receivable, inventory, and equipment, rather than by cash flow alone. The amount available scales with the value of those assets (a borrowing base). ABL is well suited to asset-rich businesses that need more liquidity than a conventional cash-flow loan would allow, or that don't fit a traditional lender's box.

Question 9

When would I use working capital versus asset-based lending?

Accepted Answer

Working capital lines are typically smaller and based on the overall health and cash flow of the business. Asset-based lending is usually larger and tied directly to the value of specific assets you pledge as collateral. If you have significant receivables or inventory and need substantial liquidity, ABL often unlocks more capital; if you need flexible, everyday operating cash, a working capital line is usually simpler.

Question 10

What is strategic debt and acquisition financing?

Accepted Answer

This is debt structured for major, often one-time events rather than routine operations: acquiring another business, buying out a partner or owner, refinancing or recapitalizing the balance sheet, or navigating a special situation like a turnaround or a time-sensitive opportunity. These deals are more complex, so they benefit most from upfront structuring and the right lender relationships.

Question 11

Can Thalos Capital help me finance the acquisition of another company?

Accepted Answer

Yes. Acquisition financing is part of our strategic debt practice. Whether you're buying a competitor, a supplier, or an unrelated business, we structure the debt and match it to capital sources experienced with acquisitions and ownership transitions, then manage the process through to close.

Question 12

Why work with Thalos Capital instead of going to lenders directly?

Accepted Answer

Going lender by lender is slow, and each one only shows you its own products. We already hold established relationships with a vetted network of capital sources, family offices, private credit desks, specialty lenders, and institutional partners, so your request goes straight to the desks most likely to fund it rather than starting cold each time. We do the analytical work up front, structure your request the way underwriters expect to see it, and take it to several sources at once, so you compare real options instead of chasing one answer at a time. You move faster, present stronger, and keep leverage on terms.

Question 13

What makes Thalos Capital different from other firms that arrange financing?

Accepted Answer

More than two decades building the underwriting, credit, and operating systems for banks and lenders across the US and Canada. We understand how these institutions actually evaluate and approve deals from the inside, so we structure and present your request to fit how credit decisions are really made. Those same years built direct, trusted relationships with the capital sources we work with, which means deals move with speed and efficiency rather than getting stuck in a cold queue. That's the difference between simply passing along an application and engineering an approvable deal.

Question 14

I'm not sure which type of financing I need. Can you still help?

Accepted Answer

Yes, that's the point of working with us. You don't need to diagnose your own financing. Tell us your situation and objective, and we'll assess it, lay out the realistic options, often more than one, and recommend the path that fits your goals and what capital sources will actually fund.

Answers on financing, plainly explained.

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