The Xplor Capital Program provides funding that can be used to help run and grow your business. Applying doesn’t impact your credit score and doesn’t require any personal guarantees or collateral.
Unlike a traditional loan, Xplor Capital loans don’t charge interest, only a one-time fixed capital fee. If approved, you can use a Xplor Capital loan for any business purpose - repairs, remodeling, payroll.
Pre-qualification is based on your sales history. Our eligibility criteria looks at multiple business performance factors in order to determine the best pre-approved offer available to your business.
If you are interested and want to learn more, click here.
If you have more questions, please contact: [email protected].
Frequently asked questions
Will this affect my credit score?
Pre-qualification does not affect your credit. A standard verification check may be performed at acceptance.
Who is the lender?
All loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
Can I pay off my balance early?
Yes. There are no prepayment penalties.
What if my sales drop?
Because repayment is a percentage of sales, scheduled amounts adjust naturally with your business performance.
How is this different from a traditional loan?
Traditional loans require lengthy applications, credit pulls, and personal guarantees. Xplor Capital uses your sales history as the basis for a pre-approved offer, has no interest (only a one-time fixed fee), and funds in 1–2 days.
Where can I find the full terms?
Full terms appear on your offer page before you accept and in your Xplor Capital dashboard after acceptance.
Getting help
Xplor Capital FAQ & support: xplor-capital.zendesk.com/hc/en-us
All loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review.