Why Cheddar?

  • American founded and American powered, based in the heart of Tennessee
  • The closest thing you will find to a bank loan
  • Quick decisions, offers in hours, same day funding
  • Fixed monthly repayment just like a bank

Cheddar Loves to Lend

For over 7 years now Cheddar Capital has had the opportunity to help hundreds of business owners all of which share the same goal – Capital Strength.

Our ability to serve business owners has given us the insight into what business owners need to grow. For many years we have not only funded a large sum of capital but we have also collected enough data to know how to approach each and every owner as they apply for our loan programs.

We believe that our capital has many ways to be used in the business world and so it becomes a continuous issuance of funds where as it used to be only a one-time use of capital.

Stop playing Cat and Mouse with Your Bank, Cheddar is Better

Banks are slow or unwilling to lend to businesses unless you meet their strict guidelines including near perfect credit. If you have substantial collateral your bank might be willing to lend but how does that make sense?

Our programs do make sense and will help increase your profits and maximize your business both short term and long term. Renew with us for years to come. We welcome your business as our customer!

Let Us Help You Reach Your Goals
Apply Now

About Cheddar Capital

Cheddar Capital is a private company based out of Memphis, Tennessee and operates solely to give business owners the ability to grow. Our affordable loan programs allows businesses to advance towards success and reach their financial goals.

We hold great pride in our ability to provide personal relationships with each and every one of our customers.

Why People Work with Us

Our company prides itself in transparent, affordable loan programs that, you, as a business owner can get in a matter of hours. Customers benefit from our simple online application and fast approval process.

We are making our internal facts, statistics and much more available to you so you know what to expect when signing up with us!

Easy Application Process
Apply Here

Our low interest rates equals more opportunity to capitalize.

Inventory Purchase

Take advantage of the opportunity to save on large inventory purchases. For example, if you’re able to purchase $50,000 worth of inventory for only $40,000 but have only three days to make it happen, you would choose our 12-month 15% loan option, You save over $8,000!

loan opportunity


When you want to expand your business and increase net profit, use our 12-month 15% loan option. For example, if you borrow $80,000 and make a profit of $120,000, you’re only paying $12,000 in loan fees. That means you earned $28,000 in profit!

loan opportunity

The Cheddar Team

Daniel Katz

Founder &
Head of Operations

Ronnie Katz

Head of Submissions & Support, Managing Director

Alex Plotitsa

Director of Sales,
Business Development