At Billy Buster Capital, we're committed to responsible lending that empowers borrowers. Founded in 2024, we've built our reputation on fair terms, quick funding, and a focus on borrower success. Our hard money loans help real estate investors flip properties responsibly, while our earned wage access program promotes financial wellness without debt traps. We prioritize transparency – all rates, fees, and terms disclosed upfront – and comply with industry standards to ensure ethical practices.
Hard Money Lending: Quick capital for real estate with fair rates and flexible terms. Ethical focus: No predatory fees, borrower education on repayment.
Earned Wage Access: Instant access to earned wages with flat fees ($2–$5), not interest. Earned Wage Access: Instant access to earned wages with flat fees ($2–$5), not interest.
Asset-Backed Loans: Leverage equipment for cash, with terms tied to asset value. Ethical focus: No personal guarantees where possible, responsible collateral assessment.
Business Lines of Credit: Revolving credit with interest only on used amounts. Ethical focus: No draw fees, transparent pricing to avoid over-borrowing.
Invoice Factoring: Advance on invoices without debt. Ethical focus: Non-recourse options to protect business relationships.
Merchant Cash Advance & Revenue-Based Financing: Repay from revenue. Ethical focus: Adjusts with sales, no fixed payments during slow periods.
Mission Statement
Billy Buster Capital provides ethical, transparent funding solutions to help real estate investors and small businesses thrive. We focus on asset-backed lending with fair terms, no hidden fees, and a commitment to responsible practices that protect borrowers while enabling growth.
Vision Statement
To be the most trusted lender in hard money and earned wage access, where every funding decision prioritizes borrower success, financial wellness, and long-term sustainability – helping businesses and individuals build wealth ethically.
Core Values
Ethical Lending First: We adhere to fair interest rates, transparent terms, and regulatory compliance to avoid predatory practices. No hidden fees, no unnecessary debt burdens.
Borrower Success: Capital is a tool for growth, not a trap. We offer education, flexible terms, and support to ensure borrowers succeed.
Transparency & Integrity: All costs disclosed upfront. We report accurately and maintain SOC 2 certification for data security.
Responsible Innovation: Our EWA program uses flat fees (not interest) to promote financial inclusion without exploiting workers.
Community Focus: We lend responsibly, focusing on borrower education and sustainable repayment to build stronger communities.
