About Us

Your Growth, Our Priority

Who We Are

Matrix Business Capital is a leading financing company helping businesses across a broad range of industries in the U.S. and Canada secure the capital they need to grow. From construction and medical equipment to IT software and trucking, our team is committed to providing fast, reliable service tailored to each client’s needs. We’re proud to partner with industries as diverse as manufacturing, restaurants, automotive, salons, fitness, and more. No matter your business, we’re here to help you move forward.

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Our Vision

At Matrix Business Capital, we offer personalized financial solutions that help businesses thrive, ensuring they leave better off than when they came to us.

Our Mission is to create freedom for the members of our team and make a difference for the people we serve!

Our Vision is being, the greatest, equipment finance company ever!

Discover Our Process

What Our Clients Say

4.9
Based on 254 reviews
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  • I had an excellent experience working with the team at Matrix Business Capital. Brian and Ishara were outstanding throughout the... read more

    NHS Avatar NHS
    February 21, 2026

    I had a truly positive experience working with Matrix Business Capital. As a first-time business owner, the funding process felt... read more

    Marathon Rentals Avatar Marathon Rentals
    February 19, 2026

    Great personal service, easy process, have used them multiple times before and will use them again!

    PAUL HOUSERIGHT Avatar PAUL HOUSERIGHT
    February 18, 2026

    Brian was incredible. Was able to get financing in less than 5 days for restaurant equipment. We will do... read more

    Alex Merturi Avatar Alex Merturi
    February 13, 2026

    First time financing with them. Working with Brian and Rebeca was excellent. They made it very easy to get what... read more

    Eric Heisterkamp Avatar Eric Heisterkamp
    October 29, 2025

    My business partner and I had an excellent experience working with Matrix Business Capital. The entire team was professional, transparent,... read more

    Xiomara Salazar Avatar Xiomara Salazar
    October 23, 2025
  • I had great service with matrix of the last few months. Brian Acosta, Rebeca Cordova, and Ishara Kandegedara were awesome... read more

    Danielle Muthersbaugh Avatar Danielle Muthersbaugh
    October 19, 2025

    Great company to work with for business funding- Brian was able to help me get new pinsetters and scoring for... read more

    Jeff Voght Avatar Jeff Voght
    July 23, 2025

    Matrix was, by far one of the easiest experiences with a financing company we have worked with, both for us... read more

    Michelle Kocan Avatar Michelle Kocan
    June 11, 2025

    Brian, Rebeca and Ishara went over and beyond to make this a great experience. The keep us informed though out... read more

    Kasey and Hector CASTRO Avatar Kasey and Hector CASTRO
    May 27, 2025

    I have secured equipment and operating capital loans via Matrix Business Capital. The application process each time was handled in... read more

    Maria Watson Avatar Maria Watson
    March 11, 2025

    Brian Acosta and his team are some of the most helpful people i have ever dealt with. We needed to... read more

    chad sickler Avatar chad sickler
    January 30, 2025
  • Matrix is very easy to work with. Brian and Rebecca were great and really helped simplify the process when we... read more

    Thomas Diver Avatar Thomas Diver
    January 29, 2025

    I recently worked with Brian Acosta for funding on one of our projects. Brian was great to work with... read more

    Jamie Blackley Avatar Jamie Blackley
    October 8, 2024

    I got the pleasure of working with Rodney Rambo on securing financing for a customer that he referred to our... read more

    Chelsie Hutzler Avatar Chelsie Hutzler
    August 28, 2024

    They were very helpful and straightforward! Thanks for all the help Rodney

    Chris Andrade Avatar Chris Andrade
    April 25, 2024

    We here at Pastime Lanes in Hastings, Ne. had great service getting new equipment for our business with Matrix. They... read more

    Butch Hogan Avatar Butch Hogan
    April 9, 2024

    It was pleasure working with Rodney Rambo

    Ruben Lee - Cresus Avatar Ruben Lee - Cresus
    February 8, 2024

Our Story

Founded in 2006, Matrix Business Capital has been empowering businesses for over 19 years. Our journey began with a simple mission: delivering financing solutions that have a lasting impact. Over the years, we have honed our expertise and built relationships across industries, becoming a trusted partner for businesses looking to invest in their future. With nearly two decades of experience, we’ve helped countless companies achieve their goals by delivering financing solutions that make a real difference.

Meet Our Team

Brian Acosta is the founder and CEO of Matrix Business Capital. Matrix Business Capital Specializes in Funding Equipment Purchases and Operating Capital for Small to Medium Businesses ranging from $5,000 to $5 Million. Matrix Provides Service Nationwide in all 50 states and Canada.

After graduating from California Polytechnic State University San Luis Obispo in 1995, Brian spent five years in the telecommunications industry. He started with Frontier Communications a Fortune 500 company, he quickly became the #1 Top Producer out of over 800 sales representatives nationwide, he was recognized as the top rookie and veteran nationally and received all awards for both categories in his first year with the company. He was then recruited to Dallas, Texas to set up a national telecommunications long-distance program servicing the US and Canada where he spent his next 3 years.

His career in the equipment finance industry began in January 2000. He started at a middle market equipment finance company in Downtown Los Angeles, California focusing on funding transactions in the range of $100,000 to $10 Million working with larger publicly traded companies mostly working with C- level executives. He then transitioned to a small ticket finance company based out of Irvine, California. He was focusing on funding transactions in the range of $5,000 to 5 million. He became the #1 top producer in the company in just 6 months out of more than 150 salespeople. He was helping business owners get funded for equipment purchases. He was also helping equipment vendors to get business clients approved and funded.

In 2006, Brian founded Matrix Business Capital after 6 years in the industry. He founded Matrix Business Capital to offer the highest level of service to his clients and vendors. Brian focuses on providing a 5-star service for his clients and vendors. Brian enjoys helping businesspeople get approved for the funding needed to grow and expand their business and take things to the next level. Brian believes it is vital to properly qualify every business for the best possible funding solution the market has to offer and to set good expectations. He is also transparent and committed to process every transaction in a timely manner to achieve the best possible experience every time. He values building long-term relationships with his clients and vendors. He received his Certified Leasing & Finance Professional (CLFP) Designation in 2007. Brian has been honored with keynote speaking opportunities at national industry conferences, underscoring his status as a respected expert in the commercial finance field.

Brian grew up in Aptos, California, where he excelled in athletics, playing football and wrestling for Aptos High School. He earned recognition as an All-County football player and a California State Wrestling Placer. He went on to compete as an NCAA Division 1 wrestler for five years, starting at Arizona State University, which was ranked #1 nationally that year after winning the NCAA Division 1 National Wrestling Championship the previous season. He later transferred to Cal Poly San Luis Obispo, another NCAA Division 1 wrestling program in the Pac-10 conference, where he completed both his wrestling career and college education.

Brian is passionate about fitness and learning. He participates in running events, Cross-fit style HIIT training, MMA, and triathlons. As a triathlete, Brian has completed 11 Ironman events and competed in the Kona Ironman World Championships. He has also entered the MMA Octagon twice. Brian enjoys Journaling, listening to audiobooks, podcasts, and reading to learn new things. He prioritizes good sleep, a fruit-based diet, and consistent exercise.

Ishara takes great pleasure in helping our clients get financed for their equipment purchases and operating capital as well as helping vendors get their invoices funded timely for the equipment they are selling. She enjoys delivering the best possible 5-star experience with the people we serve!

Ishara Kandegedara has worked in equipment finance since 2015 and is now the Operations Manager at Matrix Business Capital. Her role involves overseeing daily operations and managing various departments such as funding, credit, sales support, marketing, accounting, and office management. Ishara started in the accounting department at Matrix and quickly progressed to handling file processing, training, recruitment, and managing finance and business licenses. She takes pride in ensuring Matrix has a stable foundation and providing a consistent experience for the team, clients, vendors, and Lenders.

Ishara, originally from Sri Lanka, migrated to the US in 2008. She put herself through college and began her career at Disney, gaining valuable experience in customer service, hospitality, and retail. She then transitioned to working in accounting and finance, eventually joining the accounting team at Matrix. Ishara’s diverse experience in various industries has been particularly valuable to Matrix, especially her expertise in equipment finance.

Ishara Kandegedara holds a Bachelor of Science degree in Business Administration-Accountancy from California State University, Long Beach.

Ishara resides in Long Beach, California and enjoys watching TV shows, working out, reading, sewing, painting, and cooking authentic Sri Lankan cuisine. She also loves juicing and has a passion for Shih-Tzus.

Ishara always has a smile on her face and loves helping the people we serve, and our team members. She is a great pleasure and joy to have on the team at Matrix Business Capital!

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