Our programs are fast, simple, and let you take advantage of those opportunities that just can’t wait for a traditional bank loan.

About us

Advance Capital facilitates the financing of a wide range of businesses including retailers, restaurants, hotels, medical professionals, contractors, manufacturers, wholesalers and automotive dealers and suppliers. We work directly with business owners to obtain quick approval for financing tailored to meet their goals. Our business finance solutions include unsecured revenue based financing such as merchant and business cash advances, term loans and lines of credit (LOCs) as well as asset based lending and accounts receivable factoring.

Advance Capital is a market leader in offering financing options to small and midsize businesses. Recognized as one the most reliable and respected names in the industry, Advance Capital is known for flexible and tailored financing options and exceptional customer service. Headquartered in Boca Raton, Florida, with a network of affiliated offices and sales representatives, the company provides capital throughout the U.S. and Canada.

American business owners have outstanding vision and perseverance. To build a great company, it takes ingenuity, determination, and dedication. From hiring good people to generating new customers we understand it is tough being a small business owner. That’s why solid financial partnerships can be the difference between a growing small business, those that just tread water and those that don’t make it.

Our entrepreneurial background gives us great appreciation for what you have built, your determination to continued growth, and an understanding to how working capital can be critical to your success. We provide expert guidance with our team of experienced finance managers dedicated to your success. We strive to be your financial partners for the long haul.


Alan H. Lubitz
Owner/Manager & General Counsel

Prior to founding Advance Capital LLC, Mr. Lubitz practiced as both a Certified Public Accountant and an attorney in the corporate world and the professional environment. He was involved in numerous charitable and not-for-profit organizations and was a member of the Executive Committee and Chairman of the Marketing and Public Relations Committee of the New World Symphony in Miami Beach, Florida.

Mr. Lubitz’s professional career areas of specialty included tax, real estate, finance and civil litigation. He founded a law firm in Miami, Florida, which grew to a multi-member partnership.

Mr. Lubitz was General Counsel for a fiber optic and satellite transmission company in Homestead, Florida.

During his years as a practicing attorney, he represented several of the largest home building companies in North America, including Centex Homes Corporation, Coscan LLC, Morrison Homes, Inc., and Bramalea Limited.

Mr. Lubitz has a Masters of Business Administration with a major in accounting and is a graduate of Cornell University with a Bachelors of Arts degree in economics.

In his dual roles as Owner/Manager and General Counsel for Advance Capital LLC, Mr. Lubitz ensures a full alignment of the company’s strategic, legal and financial resources.

Patricia A. Rathgeb
Chief Operating Officer

Ms. Rathgeb oversees operations, business development, customer experience, information technology and human resources. With over twenty years of leadership experience, she is regarded as an expert in business transformation, sales, management and technology strategy.

Before joining Advance Capital, Ms. Rathgeb founded Affordable Mortgage and Loan, Inc., and Boca Palm Realty, Inc., which were highly successful for more than fifteen years. She brings to Advance Capital an extensive knowledge in real estate and finance.

Joseph A. Delaporte
Director of Funding

As a Director of Funding for Advance Capital, Mr. Delaporte draws on more than fifteen years of experience in marketing, finance and sales development. Mr. Delaporte develops relationships with referral agents and funding sources critical to the growth of the business.

Mr. Delaporte also builds relationships among the departments and contributes to the development of email and other marketing campaigns, tailored to the objectives of the business.

Mr. Delaporte has demonstrated ability in networking, achieving market penetration and specializes in building and maintaining long-term customer relationships.