Connecting Growing Businesses with the Right Capital
We navigate the commercial lending landscape so you don't have to. One conversation. The right introduction. No cost to you.
Finding the right financing shouldn't mean calling 30 lenders.
Most business owners spend weeks chasing capital — comparing rates, filling out applications, and getting passed around. Stratum Capital cuts through the noise. We already know who lends what, to whom, and at what terms. One conversation with us replaces dozens of calls you'd make on your own.
How It Works
Tell Us What You Need
A quick conversation about your business, the capital you're seeking, and your timeline. No applications, no paperwork.
We Identify the Right Fit
We match your needs against our network of vetted commercial lending partners to find the right fit for your situation.
You Get Introduced
We make a direct introduction to the lending partner best suited for your deal. You work with them directly — we've done the legwork.
Funding Solutions
Whatever your capital need, we know who's lending — and who's the best fit for your deal.
SBA Loans
Government-backed financing for small businesses — competitive rates and longer terms.
Commercial Real Estate
Acquisition, refinance, and construction financing for commercial properties.
Equipment Financing
Fund machinery, vehicles, and technology. The equipment itself often serves as collateral.
Lines of Credit
Flexible working capital when you need it. Draw and repay on your terms.
Revenue-Based Financing
Capital tied to your revenue flow. Ideal for businesses with strong recurring income.
Bridge & Hard Money
Short-term capital for time-sensitive opportunities. Speed is the priority.
$2.5M Insurance Agency Acquisition
Stratum Capital is not a lender. We connect businesses with our network of vetted lending partners.
Why Stratum Capital
No Cost to You
Our lending partners compensate us. You pay nothing for the introduction — ever.
Vetted Lender Network
We don't refer blindly. Every lending partner in our network is vetted for reliability, responsiveness, and fair terms.
Speed to Close
Because we know who's lending on what terms right now, we can dramatically shorten the time from need to funded.
Confidential & No Obligation
Your information stays private. Our conversations are exploratory — no commitment until you're ready.
Who's Behind Stratum
James Ryan
Seven years in financial services, currently operating across insurance and commercial lending. I built Stratum because too many business owners hesitate for years on financing that could transform their business — not because the capital isn't out there, but because they don't know where to start. We skip the big banks and work with a national network of specialized lenders who compete for your deal — which means better terms, faster closes, and a partner who actually understands your industry.
Who We Work With
We work with established businesses and entrepreneurs seeking commercial capital. If you recognize yourself below, we should talk.
Capital needed
In business
Annual revenue
Don't meet these exactly? Reach out anyway — we work with businesses at various stages and can often find solutions outside the typical box.
Ready to Explore Your Options?
One conversation could change your capital trajectory. Let's find the right lending partner for your business.