10-year capital advisor
Justin Carter
Senior Capital Advisor — Working Capital & Growth Finance
Miami, FL — serving businesses nationwide · English, Spanish
Ten years, $85M+ placed, and one habit clients notice: he quotes the total dollar cost before he quotes the rate.
- Top 2% National Producer
- President''s Circle — 4 years
- Seasonal structuring specialist
- Inventory & PO finance desk
- 4.9/5 across 96 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
- 10
- National ranking
- Top 2%
- Capital placed
- $85M+
- Median first response
- 14 min
- Client rating
- 4.9/5
- Repeat & referral clients
- 71%
Since 2016
Producer, 2022–2025
Across five structures
Business hours
96 client reviews
Of his 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 Justin
Justin came up on the funding side of a specialty lender, watching which files performed and which ones quietly buried the owner. He now spends his days on the other side of that table. Over ten years he has placed north of $85 million for owner-operated companies — seasonal retailers, marine and powersports dealers, clinics, freight and 3PL operators, and DTC brands carrying real inventory. He is best known for seasonal structuring: matching payments to the months a business actually earns, so the slow quarter is not the one that breaks the plan. He answers the phone, he sends the math in writing, and he 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 — he 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
He 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, he says so — even though it costs him the file today.
Off the clock
Surfing
Dawn patrol before the market opens. Ten years of it has made him patient about timing and unsentimental about missed sets.
Offshore fishing
Weekends out of Islamorada with clients who have become friends, which is most of them.
Cooking whatever he caught
Snapper on the grill, too much lime, an audience of neighbors.
Coaching youth soccer
Two seasons a year, mostly teaching eight-year-olds to pass instead of dribble into three defenders.
What clients say
“Our business makes its year between March and August. Justin built the payments around that. Nobody else even asked.”
“He 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 he untangled it in a week. Our weekly payment dropped by almost half.”
Reach Justin directly
Mon–Fri 8am–7pm ET, and early mornings when a deadline calls for it
- Direct line
- (212) 555-0194
- Book a call
- Schedule 20 minutes
Start a conversation with Justin
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.