One loan officer, from first call to funding.
Bowser Capital lends to businesses with somewhere between five and two hundred people on payroll. Every application gets an officer who knows the file and stays with it.
Who we lend to
- Dental and medical practices
- Bakeries and restaurants
- Breweries
- Physical therapy clinics
- Print and sign shops
- Landscaping
- Freight and logistics
- Software and analytics
What we believe
- Read the file, not just the score
- A credit score is one line of a file. The rest of it, the cash flow, the collateral, the plan, decides more.
- A person's name on every decision
- Whoever approves or declines a loan signs it, and you can always ask them why.
- Say no quickly, and say why
- A slow no costs a business more than a fast one. If we can't lend, you'll hear it early, with the reason.
How we decide
Each of us may approve up to a written limit, and no further. A loan above an officer's limit goes to the next person up, with the officer's recommendation attached.
- Loan officer
- Up to $50,000
- Your officer decides, usually the same week.
- VP Credit
- Up to $250,000
- Your officer refers it with their recommendation.
- Chief credit officer
- Up to $5 million
- For the largest loans on our book.
About this site
Bowser Capital is fictional. It exists so people learning to build AI agents have a realistic company to practice on: a website, a loan system, staff accounts and email, all on bowsercapital.io.
Nothing here is an offer of credit, and no money moves. Applications sent from this site are visible to workshop attendees and their agents, so use made-up details.