Institutional Partners

Monetize the Graduation.

The dedicated funding arm for credit-card stackers, ISOs, CPAs, and consultants. When your client taps out the stack, graduate them into a real unsecured business loan — and turn their next round into your next commission.

White-Label Ready

We're the background funding arm. Your brand stays in front of the client. Non-circumvention is contractual.

Transparent Splits

2–3% of funded amount per deal. Real-time tracking in your partner portal. Paid on funding, not on promises.

Real Underwriting

Business-purpose capital $250K–$1M, properly underwritten. Disclosed amounts, rates, and terms — every time.

Process

Partner with Precision.

Stop sending clients to generic brokers who shop their file to fifty lenders, wreck their credit, and ghost you the moment a commission is at stake. We graduate your client into a properly underwritten business loan — with you protected on the back end.

  • Dedicated account manager
  • Real-time per-file status portal
  • Fast underwriting turnaround
  • Non-circumvention protected
ISO / Affiliate

Partnership Application

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Monthly referral volume
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Graduation Stack
Live Capital Structures
Live Protocol
LOC
Unsecured Line of Credit
Working capital revolver, 2yr TIB
$350,000
Funded
TRM
Business Term Loan
5-yr amortized, sub-prime relief refi
$725,000
Funded
ABF
Asset-Backed Facility
Marine collateral, fleet expansion
$1,200,000
Funded
LOC
Unsecured Line of Credit
Inventory cycle, e-comm seller
$220,000
Funded
TRM
Business Term Loan
Acquisition financing, MSO rollup
$900,000
Funded
ABF
Asset-Backed Facility
Fine art collateral, gallery LOC
$650,000
Funded
TRM
Business Term Loan
Equipment + payroll, SaaS scale-up
$480,000
Funded
LOC
Unsecured Line of Credit
Post-stack graduation, agency
$300,000
Funded
LOC
Unsecured Line of Credit
Working capital revolver, 2yr TIB
$350,000
Funded
TRM
Business Term Loan
5-yr amortized, sub-prime relief refi
$725,000
Funded
ABF
Asset-Backed Facility
Marine collateral, fleet expansion
$1,200,000
Funded
LOC
Unsecured Line of Credit
Inventory cycle, e-comm seller
$220,000
Funded
TRM
Business Term Loan
Acquisition financing, MSO rollup
$900,000
Funded
ABF
Asset-Backed Facility
Fine art collateral, gallery LOC
$650,000
Funded
TRM
Business Term Loan
Equipment + payroll, SaaS scale-up
$480,000
Funded
LOC
Unsecured Line of Credit
Post-stack graduation, agency
$300,000
Funded

Illustrative capital structures — not actual client results. Figures shown are illustrative and subject to underwriting.

gradcapital.one

Graduation funding for operators who have outgrown the credit-card stack. Properly underwritten, business-purpose capital from $100K to $1M.

(760) 410-9801info@omniacap.ai
Mon–Fri 7AM–8PM PT
Omnia Capital Partners USA LLC
30 N Gould St, Ste R
Sheridan, WY 82801
Ecosystem

Business-purpose financing only. Grad Capital arranges financing for business and commercial purposes only. Nothing on this site is an offer or commitment to lend; all financing is subject to application, third-party underwriting, and final approval by an independent funding source. Amounts, rates, fees, and terms vary and are not guaranteed. The Capital Readiness Score and sample figures are illustrative tools, not credit decisions or guarantees of approval or amount.

A soft inquiry used for pre-qualification does not affect your credit score; a hard inquiry may be required before a final offer. By submitting your information you consent to be contacted by Grad Capital by phone, text, and email regarding business financing, including via automated technology; consent is not a condition of any financing. Message and data rates may apply. Reply STOP to opt out.

See the full Disclosures, Privacy Policy, and Terms of Use for state-specific commercial-financing notices (including California Cal. Fin. Code § 22800 et seq. and SB 362, effective January 1, 2026), GLBA, CCPA/CPRA, TCPA, FCRA, ECOA, OFAC, e-sign, and arbitration provisions.

© 2026 Omnia Capital Partners USA LLC (Wyoming) d/b/a Grad Capital. A division of Omnia Capital Partners.gradcapital.one