Your Business.Your Capital.

Create an account to track your file from first question to funding. Your dashboard shows real-time status on your application and documents, flags exactly what's needed next, and connects you directly with your specialist.

$20M+

Available in loans

How it works

A simple path forward

Eight steps from first question to funded file. Nothing here commits you to anything.

  1. 01Tell us what you need

    Click “Get Your Free Quote” and start with your goal in plain language. You don't need to know which loan product fits — that's our job.

  2. 02Tell us about your business

    Eight quick questions about revenue, time in business, and credit. No documents, and nothing here affects your credit.

  3. 03See what may be available

    Indicative ranges based on what you shared, with the reasoning behind each one. A starting point, not an offer.

  4. 04Create an account and apply

    Save your place, then complete the full application at your own pace. It only asks what your situation actually needs.

  5. 05Upload what's asked for

    A checklist tells you exactly which documents are needed for your file — no guessing, and nothing requested twice.

  6. 06We take it to lenders

    A specialist packages your file and puts it in front of the programs it genuinely fits — not a blast to everyone.

  7. 07Track it from your dashboard

    Document requests, status changes, and what's still outstanding, all in one place. We email you whenever something changes, so you never have to wonder where things stand.

  8. 08Close, if a lender approves

    We walk you through signing and disbursement, and stay on the file until the money lands.

Prequalification results

A screen from the FLS application, shown with an example business. Figures are illustrative, not an offer.

Who we are

Robert Saucedo, II, founder of FLS Capital Advisors

Meet the founder

Robert Saucedo, II

Founder & Financial Lending Specialist

“The right financing can accelerate growth. The wrong financing can slow it down.”

Robert founded Financial Lending Specialists in 2024, bringing two years in commercial finance and five years of helping business owners find the right solutions. He gets to know each client's goals before recommending a strategy.

Connect on LinkedIn(opens in a new tab)

Commercial Banking & Credit Analyst (CBCA®)Corporate Finance Institute

About the firm

FLS Capital Advisors is a commercial finance brokerage based in Los Angeles, working with business owners nationwide. Through our network of lenders, we match you with the solution that fits your situation.

What we finance

  • Commercial real estate
  • SBA 7(a) & 504 loans
  • Equipment
  • Working capital
  • Invoice factoring
  • Construction & fix-and-flip
  • Business acquisitions
  • Healthcare practices

Testimonials

What our clients have to say...

FLS helped us secure $350,000 through a combination of a business line of credit and term financing. The additional capital gave us the flexibility to improve cash flow, invest in operations, and continue growing the company.
Elvina B.General Contractor
FLS helped us secure $150,000 in working capital at an important stage in our growth. The financing allowed us to hire additional employees, expand our capacity, and continue investing in the business.
Ryan C.Marketing Company Owner
FLS helped us navigate financing for the purchase of our own medical office. They structured a solution around our practice and our long-term goal of owning the property where we operate.
Taha A.Medical Practice Owner
FLS helped us secure a business line of credit that gives us the flexibility to purchase materials, manage payroll, and take on new projects without putting unnecessary pressure on our day-to-day cash flow.
Alexus R.Remodeling Company Owner
FLS helped us structure a cash-out refinance so we could access equity from our existing properties and pursue another commercial real estate investment. Their understanding of commercial financing made the process much easier to navigate.
Akbaar A.Commercial Real Estate Investor
Our existing MCA debt was putting significant pressure on cash flow. FLS helped us find a financing solution that allowed us to pay off the MCA and move into a more manageable structure.
Pete P.Hotel Operator
FLS helped us secure $150,000 in startup financing for vehicles and working capital. Having that capital available gave us the resources we needed to launch the company and begin operations.
Logan P.Scientific Consulting Company Founder
FLS helped us secure $350,000 through a combination of a business line of credit and term financing. The additional capital gave us the flexibility to improve cash flow, invest in operations, and continue growing the company.
Elvina B.General Contractor
FLS helped us secure $150,000 in working capital at an important stage in our growth. The financing allowed us to hire additional employees, expand our capacity, and continue investing in the business.
Ryan C.Marketing Company Owner
FLS helped us navigate financing for the purchase of our own medical office. They structured a solution around our practice and our long-term goal of owning the property where we operate.
Taha A.Medical Practice Owner
FLS helped us secure a business line of credit that gives us the flexibility to purchase materials, manage payroll, and take on new projects without putting unnecessary pressure on our day-to-day cash flow.
Alexus R.Remodeling Company Owner
FLS helped us structure a cash-out refinance so we could access equity from our existing properties and pursue another commercial real estate investment. Their understanding of commercial financing made the process much easier to navigate.
Akbaar A.Commercial Real Estate Investor
Our existing MCA debt was putting significant pressure on cash flow. FLS helped us find a financing solution that allowed us to pay off the MCA and move into a more manageable structure.
Pete P.Hotel Operator
FLS helped us secure $150,000 in startup financing for vehicles and working capital. Having that capital available gave us the resources we needed to launch the company and begin operations.
Logan P.Scientific Consulting Company Founder

Resources

Financing guides

How each type of financing works, what lenders evaluate, and what to prepare — organized by what you're trying to accomplish.