What does CAPSTNE FI mean on my credit report?

Learn about CAPSTNE FI, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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CAPSTNE FI is shorthand for Capstone Financial, with the company name being Capstone Financial Inc

Since its establishment in 2010, Capstone has provided more than $100 million in private equity to institutional lenders and middle-market companies. We have built up a strong reputation and an experienced team of lending officers. Visit us at Capstone Mortgages

CAPSTNE FI is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Capstone Financial.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Secured

How do I contact them?

Here is the current contact details for Capstone Financial:


  • 1620 N 82nd Place, Scottsdale, AZ 85257





Payments can be made through Capstone Financial by submitting a loan which does not require any up-front fees or a minimum credit score. Statements and financial documents are required, and loans typically take no more than ten to fourteen days to close. A monthly payment plan is available, and other payment options include using a check or money order. There are no penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? No
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

Capstone Financial does not offer loan forgiveness or consolidation. There is no minimum credit score to qualify for loan forgiveness, although the company may require documents about the borrower’s financial and credit history and about the project scope and property. Leverage may be utilized for higher purchase power, and loans range from $50,000 to $3 million. Closing the loan typically takes 10-14 days.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

Capstone Financial offers loans to real estate investors with a quick and easy online application. There are no up-front fees, and loans are available from $50,000 up to $3 million. The loan process typically takes no more than 10-14 days.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

CAPSTNE FI SmartCredit Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove CAPSTNE FI from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.