Business and opportunities move fast—capital should too. FlowState Capital Management provides working-capital when it’s needed most.
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Capital/
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Process/
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Advantage/
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Projects/
you request/.
we make it Flow//.
Website & Loan Origination by:
Website & Loan Origination by:
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Services
001
Services
001
Services
Capital.
Business needs don’t wait. We structure and deliver capital around real operating timelines — not lender convenience.
Business needs don’t wait. We structure and deliver capital around real operating timelines — not lender convenience.
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Working Capital
Working capital is designed to support day-to-day operations when timing matters. Whether you’re covering payroll, inventory, marketing, or seasonal gaps, we help structure fast, practical capital that aligns with how your business actually operates.
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Term Loans
Term loans are used when businesses need predictable capital over a defined period. We help match loan size, repayment terms, and structure to the specific use case — whether that’s expansion, hiring, equipment, or refinancing higher-cost debt.
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Equipment Financing
Equipment financing allows businesses to acquire vehicles, machinery, or specialized assets while preserving liquidity. We work with lenders that understand asset-backed financing and structure terms around the useful life of the equipment.
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SBA & Specialty Financing
For businesses that qualify, SBA and specialty lending programs offer longer terms and lower cost of capital. These options require more structure, documentation, and precision — which is where most borrowers struggle.
001
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Working Capital
Working capital is designed to support day-to-day operations when timing matters. Whether you’re covering payroll, inventory, marketing, or seasonal gaps, we help structure fast, practical capital that aligns with how your business actually operates.
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Term Loans
Term loans are used when businesses need predictable capital over a defined period. We help match loan size, repayment terms, and structure to the specific use case — whether that’s expansion, hiring, equipment, or refinancing higher-cost debt.
003
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Equipment Financing
Equipment financing allows businesses to acquire vehicles, machinery, or specialized assets while preserving liquidity. We work with lenders that understand asset-backed financing and structure terms around the useful life of the equipment.
004
/
SBA & Specialty Financing
For businesses that qualify, SBA and specialty lending programs offer longer terms and lower cost of capital. These options require more structure, documentation, and precision — which is where most borrowers struggle.
001
/
Working Capital
Working capital is designed to support day-to-day operations when timing matters. Whether you’re covering payroll, inventory, marketing, or seasonal gaps, we help structure fast, practical capital that aligns with how your business actually operates.
002
/
Term Loans
Term loans are used when businesses need predictable capital over a defined period. We help match loan size, repayment terms, and structure to the specific use case — whether that’s expansion, hiring, equipment, or refinancing higher-cost debt.
003
/
Equipment Financing
Equipment financing allows businesses to acquire vehicles, machinery, or specialized assets while preserving liquidity. We work with lenders that understand asset-backed financing and structure terms around the useful life of the equipment.
004
/
SBA & Specialty Financing
For businesses that qualify, SBA and specialty lending programs offer longer terms and lower cost of capital. These options require more structure, documentation, and precision — which is where most borrowers struggle.
002
Process
002
Process
002
Process
Process.
A clear, structured path from request to funding—built to move at business speed.
A clear, structured path from request to funding—built to move at business speed.
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Discovery
We start by understanding your business—not forcing it into a box. Revenue, cash flow, timing, and goals. What you need the capital for. When you need it. This ensures we structure financing that actually fits—before anything is submitted.
001
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Discovery
We start by understanding your business—not forcing it into a box. Revenue, cash flow, timing, and goals. What you need the capital for. When you need it. This ensures we structure financing that actually fits—before anything is submitted.
001
/
Discovery
We start by understanding your business—not forcing it into a box. Revenue, cash flow, timing, and goals. What you need the capital for. When you need it. This ensures we structure financing that actually fits—before anything is submitted.
003
Why choose us
003
Why choose us
003
Why choose us
Our advantage.
Capital moves best when it’s structured, intentional, and controlled. We don’t spray applications or sell your data — we run a disciplined origination process designed to get businesses funded faster, with fewer surprises.
08
8+ years working across business financing
Hundreds of deals across industries — built on understanding lender credit boxes, documentation standards, and how capital actually gets approved.
08
8+ years working across business financing
Hundreds of deals across industries — built on understanding lender credit boxes, documentation standards, and how capital actually gets approved.
08
8+ years working across business financing
Hundreds of deals across industries — built on understanding lender credit boxes, documentation standards, and how capital actually gets approved.
Satisfaction rate
0%
0%
Built on results, not hype.
4.9/5
Trusted by business owners.
Satisfaction rate
0%
0%
Built on results, not hype.
4.9/5
Trusted by business owners.
Satisfaction rate
0%
0%
Built on results, not hype.
4.9/5
Trusted by business owners.
Zero
App Fees
Capital should fit the business not force the business to fit the capital.
Zero
App Fees
Capital should fit the business not force the business to fit the capital.
Zero
App Fees
Capital should fit the business not force the business to fit the capital.
Fast turnaround
By guiding documentation upfront and aligning submissions, we reduce back-and-forth and wasted time.
Scalable funding
Our process is designed to support future rounds, refinances, and expansion as your business scales.
Fast turnaround
By guiding documentation upfront and aligning submissions, we reduce back-and-forth and wasted time.
Scalable funding
Our process is designed to support future rounds, refinances, and expansion as your business scales.
Fast turnaround
By guiding documentation upfront and aligning submissions, we reduce back-and-forth and wasted time.
Scalable funding
Our process is designed to support future rounds, refinances, and expansion as your business scales.
Real-time support
Our team is always just a message away — real humans, real answers.
Just uploaded the docs you requested.
Got it.
We’ll review what you have and let you know exactly what’s missing.
Just sent you an update. You should see lender-ready options now.
Amazing, thank you! You guys are fast 🙌
Message
Real-time support
Our team is always just a message away — real humans, real answers.
Just uploaded the docs you requested.
Got it.
We’ll review what you have and let you know exactly what’s missing.
Just sent you an update. You should see lender-ready options now.
Amazing, thank you! You guys are fast 🙌
Message
Real-time support
Our team is always just a message away — real humans, real answers.
Just uploaded the docs you requested.
Got it.
We’ll review what you have and let you know exactly what’s missing.
Just sent you an update. You should see lender-ready options now.
Amazing, thank you! You guys are fast 🙌
Message
004
Projects
004
Projects
004
Projects
Projects.
Real deals. Real operators. See how we structure capital that keeps businesses moving.
5
5
+
Companies
funded
with excellence across multiple industries.
5
5
+
Companies
funded
with excellence across multiple industries.
5
5
+
Companies
funded
with excellence across multiple industries.
We’re /operators/, /serial entrepreneurs/, and /capital strategist/ helping businesses grow when traditional banks won't fund.
We’ve built companies, hit cash-flow walls, and navigated outdated underwriting firsthand. That experience shapes how we structure capital—focused on speed, flexibility, and real-world operating needs.
FAQ.
Find answers to the most common questions about our services, process, and what it’s like to work with Fortex.
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What types of capital do you help businesses access?
We help businesses access non-dilutive debt solutions—including working capital, term loans, venture debt, equipment financing, and refinances. The focus is simple: capital that supports growth without giving up equity or getting stuck in bank delays.
002
/
How long does the funding process usually take?
Timelines depend on the deal, but most transactions move far faster than traditional banks. Because we pre-package deals and match them to the right lenders upfront, many clients receive terms in days—not months.
003
/
Do you work directly with lenders or act as a marketplace?
We are not a marketplace. Your information is not sold or blasted out. We act as a structured capital intermediary, working directly with vetted lenders to run a controlled, professional process from intake through close.
004
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What makes your process different from banks or online platforms?
We’re operators first. We’ve built companies, missed payroll windows, and felt the friction of outdated underwriting. Our process is designed around real business constraints—not perfect paperwork, not arbitrary credit boxes.
005
/
What do you need from me to get started?
We start with a clear picture of your business: revenue, use of funds, and timing. From there, we guide you through exactly what’s needed—no guesswork, no unnecessary back-and-forth.
006
/
Is this a fit for early-stage or growing businesses?
Yes—especially businesses that are growing but don’t fit a traditional bank profile. If your company has real revenue and a clear use of capital, we can usually structure a path forward.
001
/
What types of capital do you help businesses access?
We help businesses access non-dilutive debt solutions—including working capital, term loans, venture debt, equipment financing, and refinances. The focus is simple: capital that supports growth without giving up equity or getting stuck in bank delays.
002
/
How long does the funding process usually take?
Timelines depend on the deal, but most transactions move far faster than traditional banks. Because we pre-package deals and match them to the right lenders upfront, many clients receive terms in days—not months.
003
/
Do you work directly with lenders or act as a marketplace?
We are not a marketplace. Your information is not sold or blasted out. We act as a structured capital intermediary, working directly with vetted lenders to run a controlled, professional process from intake through close.
004
/
What makes your process different from banks or online platforms?
We’re operators first. We’ve built companies, missed payroll windows, and felt the friction of outdated underwriting. Our process is designed around real business constraints—not perfect paperwork, not arbitrary credit boxes.
005
/
What do you need from me to get started?
We start with a clear picture of your business: revenue, use of funds, and timing. From there, we guide you through exactly what’s needed—no guesswork, no unnecessary back-and-forth.
006
/
Is this a fit for early-stage or growing businesses?
Yes—especially businesses that are growing but don’t fit a traditional bank profile. If your company has real revenue and a clear use of capital, we can usually structure a path forward.
001
/
What types of capital do you help businesses access?
We help businesses access non-dilutive debt solutions—including working capital, term loans, venture debt, equipment financing, and refinances. The focus is simple: capital that supports growth without giving up equity or getting stuck in bank delays.
002
/
How long does the funding process usually take?
Timelines depend on the deal, but most transactions move far faster than traditional banks. Because we pre-package deals and match them to the right lenders upfront, many clients receive terms in days—not months.
003
/
Do you work directly with lenders or act as a marketplace?
We are not a marketplace. Your information is not sold or blasted out. We act as a structured capital intermediary, working directly with vetted lenders to run a controlled, professional process from intake through close.
004
/
What makes your process different from banks or online platforms?
We’re operators first. We’ve built companies, missed payroll windows, and felt the friction of outdated underwriting. Our process is designed around real business constraints—not perfect paperwork, not arbitrary credit boxes.
005
/
What do you need from me to get started?
We start with a clear picture of your business: revenue, use of funds, and timing. From there, we guide you through exactly what’s needed—no guesswork, no unnecessary back-and-forth.
006
/
Is this a fit for early-stage or growing businesses?
Yes—especially businesses that are growing but don’t fit a traditional bank profile. If your company has real revenue and a clear use of capital, we can usually structure a path forward.
Get in /touch/.
Reach out to discover how Flow can support your funding goals and help elevate your business to new heights.
Office
3750 Hacks Cross Rd
Ste 102 #305
Memphis TN 38125
Contact
Get in /touch/.
Reach out to discover how Flow can support your funding goals and help elevate your business to new heights.
Office
3750 Hacks Cross Rd
Ste 102 #305
Memphis TN 38125
Contact
Get in /touch/.
Reach out to discover how Flow can support your funding goals and help elevate your business to new heights.
Office
3750 Hacks Cross Rd
Ste 102 #305
Memphis TN 38125
Contact