Strategic capital access
for businesses built to grow.

Centium Capital is a boutique capital advisory firm helping small businesses structure, acquire, and deploy debt capital — at every stage of growth.

Access to the right capital is what separates ambition from execution. We work directly with small business owners and founders to assess their position, structure the right debt, and deliver a strategy that's precise, transparent, and built to win.

Advisory services designed around how businesses actually access capital.

We offer a focused suite of capital advisory services — not a broad menu of financial products. Every engagement is custom-built around the client's credit profile, revenue position, and capital objectives.

Business Credit Advisory

We assess your business credit profile, identify gaps and opportunities, and build a roadmap for acquiring structured business credit lines. Ideal for owners with strong personal credit who want to maximize their borrowing capacity without equity dilution.

Best for: Credit-qualified businesses & startups

Debt Structuring & Capital Planning

For businesses with established revenue, we analyze existing debt, identify refinancing or restructuring opportunities, and develop a capital plan that aligns financing costs with cash flow realities. We help you borrow smarter — not just more.

Best for: Established businesses with $300k+ revenue

Capital Access Strategy

A comprehensive review of your business's total capital access potential — including revolving credit, unsecured lines, and alternative debt structures. We map every available pathway and prioritize the ones that deliver the most capital at the lowest cost.

Best for: Businesses planning a major capital raise

Lender Relationship & Referral Advisory

For businesses that need guidance navigating SBA programs, traditional banking relationships, or alternative lending markets, we provide advisory context and referral support — helping you approach the right lenders with the right profile.

Best for: Businesses seeking bank or SBA products

Capital Solutions Trusted by Real Entrepreneurs

Explore what our community is saying about their experience with us.

Jason M.

Owner, Full-Service Restaurant Group — Atlanta, GA

"I've worked with lenders, brokers, and a handful of consultants over the years. Centium Capital is a different category altogether. They came in, assessed where we actually stood from a capital perspective, and built a strategy that got us $175,000 in business credit lines within six weeks. No equity given up, no high-interest loans. The process was more organized than anything I've experienced from a traditional bank — and the results spoke for themselves. We used the capital to open our second location. That's not something I was planning to do this year."

Chris L.

Founder, Logistics Startup — Dallas, TX

"I had an LLC, a business plan, and a 748 credit score — but zero revenue. Every traditional lender I approached turned me away before I could finish a sentence. Centium Capital was the first conversation where I felt like someone was actually looking at what I had to offer, not just what I was missing. They secured $85,000 in business credit for me. I've since used it to get my first contracts and build real revenue. The $2,000 engagement fee felt like a big commitment at the time. It wasn't."

Daniel P.

Principal, Commercial Cleaning Company — Chicago, IL

"Our business has been running for nine years and generating solid revenue, but our credit profile had some complexity from a rough stretch in 2021. Centium Capital looked at the full picture — not just the score — and structured a capital acquisition plan around our revenue position. We ended up with $120,000 in accessible credit lines. The advisory process was thorough, professional, and completely transparent from start to finish."

Amanda R.

CEO, Marketing Agency — New York, NY

"What stood out to me was how organized the entire engagement was. There was a clear process, a clear timeline, and someone actually accountable on the other end. I've worked with business consultants who disappeared after the retainer cleared. That wasn't the experience here. They were communicative at every stage and the outcome — $95,000 in credit lines — matched what they projected. I've already referred two people."

Sarah K.

Home Goods Ecommerce Store — Denver, CO

"We were doing over $400,000 a year but still getting turned down for traditional financing because our credit profile wasn't where it needed to be. Centium Capital structured the engagement around our revenue, not just our score. The experience was professional throughout — they explained every step, set realistic expectations, and delivered $110,000 in accessible capital. For a business our size, that's a real difference-maker."

Carlos T.

Owner, Residential Contracting — San Antonio, TX

"I came in knowing almost nothing about how business credit actually works. Centium Capital didn't just get me funded — they made sure I understood the strategy behind it and how to manage what we built for the long term. That educational piece was something I didn't expect and genuinely valued. $80,000 accessed, and I actually know what to do with it. That's a better outcome than I could have gotten anywhere else."