15+ years of funding businesses the banks said no to. Fast decisions, honest terms, and people who actually pick up the phone.
"Every business owner deserves a lending partner who actually picks up the phone."
Dan founded Cheddar Capital with one conviction: businesses deserve better than what the banks offer. What started as a local Memphis operation has grown into a nationwide lending partner — but the personal approach has never changed.
For over 15 years, we've collected data, refined our process, and built relationships that keep clients coming back. 83% of our clients renew with us — not because they have to, but because it works.
We're not a call center. We're not a portal. You talk to the people who actually make decisions.
"Stop playing cat and mouse with your bank. We built Cheddar Capital so business owners could stop fighting for capital and start using it."
Dan and Ron built this company from the ground up. You deal directly with the owners — no call centers, no escalations, no runaround.
Submit by noon, hear back by end of day. We respect your time and understand that business moves fast.
We fund the business, not you personally. Your personal assets stay protected — that's our commitment to every client.
Capital isn't a one-time event. 83% of our clients come back for more — because our programs are designed to grow with you.
No mountains of paperwork. We've simplified the process so you spend less time applying and more time running your business.
Rooted in Memphis, Tennessee — but we fund businesses in all 50 states. Hometown values, nationwide reach.
Dan founded Cheddar Capital with a simple conviction: businesses deserve fast, fair access to capital. He shoots it straight — no fluff, no runaround. Based in Dallas, TX, he works directly with clients on offers and proposals — and believes the best deals come from long-term relationships built on trust, not transactions. Many of his clients have been with him for years, coming back every time they need capital because they know Dan picks up the phone.
Ron brings 30+ years of accounting experience to every deal — a retired CPA who knows the numbers inside and out. He’s committed to building long-term relationships with business owners who want a funding partner they can rely on for years to come, not just a one-time transaction. Much like his own hot sauce brand, Ron brings the heat to every client he works with — fighting to get them the best possible offer. 🌶️
| Traditional Bank | Cheddar Capital | |
|---|---|---|
| Approval Speed | Weeks to months | Same day ✓ |
| Credit Requirements | Near-perfect required | Flexible ✓ |
| Personal Guarantee | Almost always | Not required ✓ |
| Who You Talk To | Call center rep | The owners ✓ |
| Collateral Required | Usually yes | Not always ✓ |
| Repeat Funding | Start over each time | 83% renew ✓ |
Match with the right loan program in under 60 seconds. No hard credit pull required.
Disclaimer: Cheddar Capital Partners keeps its information as accurate and as up to date as possible. This information can be different than your financial institution offerings, products, or services. All pre-qualified offers and approvals are subject to credit review and final underwriting. If you find discrepancies with your credit score or information from your credit report, please contact Experian® or Equifax® directly. Commercial mortgages are not available in the state of California.
*Subject to underwriting and credit approval, not all applicants qualify for same day funding.