Private capital, based on relationship.

What this program is

Private capital solutions available to qualified businesses based on relationship, underwriting review, and overall business profile. It is designed for existing businesses that need short-term capital while preparing for larger financing — not as a replacement for conventional lending, and not as a first stop.

This is deliberately not a public program. We extend it to businesses whose operations, deposits, and management we already understand, usually because we've worked together on financing or advisory first.

Common uses

• Working capitalCovering the operating gap between delivery and payment.
• Marketing capitalFunding a campaign with a measurable return window.
• Payroll assistanceBridging a short, identified shortfall — not a recurring one.
• Vendor paymentsProtecting supplier terms and early-payment pricing.
• Inventory purchasesBuying into a known season or a confirmed order.
• Bridge financingHolding position while a conventional or SBA facility closes.
• Business expansionA second location, a new line, an acquisition of equipment.
• Cash flow gapsSmoothing a timing problem, where the revenue is real and the calendar isn't.

How eligibility works

Every request is reviewed individually. We look at the operating history, deposit consistency, existing obligations, the specific use of funds, and the plan to replace this capital with a larger conventional facility. A short-term bridge only makes sense if there's something on the other side of it.

Magnus Fiscus is not a bank or a public lender. This is a private, relationship-based program, and availability is limited and discretionary.