11-year capital advisor
Jane Carter
Senior Capital Advisor — Working Capital & Growth Finance
Denver, CO — serving businesses nationwide · English
Eleven years, $92M+ placed, and one habit clients notice: she puts the total dollar cost in writing before anyone talks rate.
- Top 2% National Producer
- President's Circle — 4 years
- Working-capital structuring specialist
- Equipment & SBA desk
- 4.9/5 across 104 client reviews
- Verified CanFund Advisor
- Revenue-based financing
- Seasonal and cash-flow-matched structures
- Revolving lines of credit
- Invoice factoring & AR lines
- SBA 7(a) & 504
- Years advising
- 11
- National ranking
- Top 2%
- Capital placed
- $92M+
- Median first response
- 12 min
- Client rating
- 4.9/5
- Repeat & referral clients
- 74%
Since 2015
Producer, 2022–2025
Across five structures
Business hours
104 client reviews
Of her 2025 book
Recognition
Awards & honors
Production is only half of it. Every award below weighs client outcomes and file quality alongside capital placed.
Rising Advisor of the Year
CanFund Capital · 2021
Highest first-year production in the firm's history at the time.
Top 2% National Producer
Commercial Capital Rankings · 2022–2025
Four consecutive years inside the top two percent by capital placed.
President's Circle
CanFund Capital · 2022–2025
Four straight years in the elite production tier with a clean compliance record.
Seasonal Finance Innovation Award
National Alternative Lending Awards · 2024
For payment structures indexed to each borrower's actual earning season.
Client Choice Award
CanFund Capital client survey · 2025
Voted by funded clients on transparency, responsiveness and outcome after closing.
Zero-Complaint Distinction
CanFund Capital compliance · 2023–2025
Three years of funded files with no client complaint on record.
About Jane
Jane started on the credit side of a regional lender, reading the files nobody else wanted and learning fast which structures actually hold up in a slow quarter. She has spent the eleven years since on the owner's side of the table, placing more than $92 million for owner-operated companies — construction and trades, outdoor and gear brands, veterinary and dental groups, freight operators and multi-location restaurants. She is known for building facilities that leave room to breathe: right-sized amounts, payments tied to real collection cycles, and a plan for the renewal before the first payment clears. She answers the phone, she sends the math in writing, and she will tell you to wait when waiting is the better trade.
Credentials
- 10 years in commercial capital markets, 4 of them on the lender side
- Top 2% national producer, four consecutive years
- Placed capital across revenue-based financing, SBA, factoring, inventory finance and lines of credit
- Former funding analyst — she knows which files perform and which ones quietly hurt the owner
- Registered with CanFund Capital, NMLS 2318744
Specialties
- Revenue-based financing
- Seasonal and cash-flow-matched structures
- Revolving lines of credit
- Invoice factoring & AR lines
- SBA 7(a) & 504
- Inventory and purchase-order finance
- Debt refinancing & consolidation
Best for
- Seasonal businesses that need payments matched to their earning months
- DTC and marketplace brands financing inventory ahead of peak
- Clinics, dealers and service operators borrowing for the first time
- Freight, 3PL and staffing companies bridging 30–60 day terms
- Owners consolidating two or more advances into one facility
- Companies adding a second location or a first real credit line
Recent businesses funded
A sample of work from the last twelve months. Client names are withheld for privacy.
Retail
Marine and powersports dealership
Seasonal revenue-based financing
Floor plan for spring inventory with lighter payments through the winter months.
Ecommerce
DTC outdoor apparel brand
Inventory finance + line of credit
Funded a Q4 production run without giving up equity six weeks before their best month.
Healthcare
Multi-site dental group
SBA 7(a)
Acquired a third practice and refinanced two equipment notes into one payment.
Logistics
Regional 3PL and warehousing operator
Invoice factoring
Turned 45-day shipper terms into same-week cash so they could take on two new accounts.
Restaurants
Fast-casual restaurant group
Consolidation refinance
Pulled the owner out of three stacked advances and cut the weekly debit by 44%.
Construction & trades
Commercial landscaping company
Equipment finance + revolver
Two crews'' worth of equipment ahead of a municipal contract, revolver for the mobilization gap.
Words they live by
“You can't stop the set. You can pick which wave you take.”
“Price it in dollars or don't price it.”
“Cheap money you can't service isn't cheap.”
How they work
She models the season, not just the month
Before any application you get a one-page view of your options side by side — cost in dollars, payment cadence by month, and what each one does to your next raise.
You talk to him, not a queue
One advisor, one phone number, from the first call through funding and every renewal after.
No surprises at signing
If anything changes in underwriting you hear it from him the same day, in writing, with the new numbers.
He'll tell you to wait
If a quarter of clean statements gets you a materially better structure, she says so — even though it costs him the file today.
Off the clock
Alpine hiking
Fourteeners on weekends. Eleven years of it has made her patient about pace and unsentimental about turning back.
Trail running
Five mornings a week before the market opens, usually with a client on the phone at mile three.
Backcountry cooking
Anything that can be made on one burner at 11,000 feet, plus far too much hot sauce.
Coaching youth basketball
Two seasons a year, mostly teaching ten-year-olds to pass instead of forcing the shot.
What clients say
“Our business makes its year between March and August. Jane built the payments around that. Nobody else even asked.”
“She talked us down from the number we asked for and was right. We funded the smaller amount and renewed twice.”
“Three advances stacked on top of each other and she untangled it in a week. Our weekly payment dropped by almost half.”
Reach Jane directly
Mon–Fri 8am–7pm MT, and early mornings when a deadline calls for it
- Direct line
- (303) 555-0142
- Book a call
- Schedule 20 minutes
Start a conversation with Jane
Share a few details about your business and they'll come back with your options — structures, real dollar costs, and what they'd do in your position.