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Massive Meat Capital

About us

Three banks turned down a butcher shop. That is the whole origin story.

None of them could explain what they had actually objected to. The shop was profitable, the equipment was necessary, and the owner had twenty years behind a counter. What it did not have was anyone on the other side of the desk who understood what they were looking at.
MMCEST. 2018

Sec. 01 — What we are

A commercial finance brokerage with one vertical.

We are not a lender and not a bank. We take your file to a network of 40+ funding partners, argue it with people who already know what a blast chiller costs, and bring you the offers with the true APR attached to each one. We only do this for the protein supply chain, which is the reason any of it works.

Sec. 02 — The story

Eight years, three desks, one industry.

  1. 2018

    Two people who came out of the trade

    Founded in Omaha by a third-generation meat cutter whose family shop had been turned down for an equipment loan by three banks in a row, and a former credit analyst at a regional ag lender who was tired of watching sound processors get declined over a NAICS code.

  2. 2019

    The first cold room

    A $180,000 blast chiller and walk-in replacement for a family butcher shop in Council Bluffs, funded in four days. It is still referred to inside the company as "the first cold room," and it set the standard the desk is measured against.

  3. 2021

    Fort Worth opens

    A second desk opens to sit closer to cattle country and the packing corridor. USDA plant buildout and livestock financing are added to the book.

  4. 2023

    Melville opens

    A Northeast desk opens to serve distribution and restaurant groups. The lender network passes 40+.

  5. 2025

    SBA and HELOC desks launch

    A dedicated SBA desk opens, along with a HELOC program for owner-operators who want to put personal equity to work in the business.

  6. 2026

    Where the book stands

    $400M+ funded across 6,000+ businesses in the protein supply chain.

Sec. 03 — How we operate

Four things we will not compromise on.

We tell you when the answer is no

A broker who never declines anything is not underwriting, they are selling. If your file will not clear, you hear it on the first call rather than after three weeks of stall.

The cheapest product that actually fits

Advances pay a broker more than term loans do. We quote the product that fits the use of funds, and we show you what the expensive option would have cost so the comparison is yours to make.

Speed is a safety issue here

In most industries a slow approval is an inconvenience. When a compressor fails, the clock is running against inventory. We staff and stage files accordingly.

One advisor, start to finish

The person who takes your first call reads your statements, argues your file, and calls you at funding. No handoff to a closing team that has never seen your business.

On how we are paid

We are compensated by the funding partner when a deal closes, and commission varies by product. It is highest on the products we recommend least — a short-term advance pays a broker considerably more than a term loan or an SBA loan does. Advisor compensation here is deliberately flattened across products so that recommending the cheaper option does not cost the person making the recommendation money. You should know that when we tell you what to take.

Sec. 04 — Where we are

Three desks, deliberately placed.

Opened 2018

Omaha — Headquarters

1200 N 16th St
Omaha, NE 68102

Every file is underwritten here. The credit desk, the document team, and the people who decide whether a deal works sit in one room three blocks from the river.

Opened 2021

Fort Worth

500 W 7th St
Fort Worth, TX 76102

Opened to sit inside the packing corridor rather than a thousand miles from it. Livestock lines, USDA buildout, and the heavy equipment book run out of this desk.

Opened 2023

Melville

201 Old Country Rd
Melville, NY 11747

Covers the Northeast corridor: multi-unit restaurant groups, specialty distributors, and the dense halal and kosher retail market from Brooklyn to Boston.

Sec. 05 — Get started

Speak to someone who has been in a plant.

You should not have to explain what a walk-in costs, why deer season matters, or what happens when a compressor fails on a Friday.