Working capital, equipment, expansion, and the building you operate from. SBA programs and conventional business credit under one roof.
The most flexible government-backed business loan
Partially guaranteed by the Small Business Administration. Use it for working capital, buying a business, refinancing debt, equipment, or real estate, with terms up to 25 years and lower down payments than conventional business credit.
Buy the building you operate from
Long-term fixed-rate financing for owner-occupied commercial real estate and heavy equipment. A bank and a certified development company share the loan, so you typically bring only 10% down.
A lump sum with a fixed schedule
Borrow a set amount for expansion, a new location, inventory, or hiring, and repay it in predictable monthly installments. Faster than SBA, with fewer documents.
Draw what you need, when you need it
A revolving limit you can tap for payroll, seasonal inventory, or slow-paying invoices, paying interest only on what you use. Repay and draw again.
The equipment is the collateral
Trucks, kitchen lines, medical devices, construction machinery. Finance up to the full purchase price with the equipment securing the loan, so approval leans on the asset more than on your credit.
Fast funding sized to your monthly sales
Approval within days based on your business deposits, repaid as a share of revenue. Higher cost than a bank loan, so we position it for short, urgent needs and help you refinance into cheaper capital later.
Official guidelines: SBA: 7(a) loans · SBA: 504 loans
SBA 7(a) is the flexible option: up to $5 million for working capital, acquisitions, refinancing, equipment, or real estate, with terms up to 25 years. SBA 504 is for owner-occupied real estate and heavy equipment, combining a bank loan with a CDC loan so you bring about 10% down.
Revenue-based working capital can fund in days from business bank statements, at a higher cost. Business term loans and lines of credit usually take one to three weeks. SBA loans take longer, often 30 to 90 days, but offer the lowest long-term cost.
Many business lenders require an SSN for the personal guarantor, but some programs accept an ITIN or EIN-based structures depending on the loan type and the owner's documentation. Tell us your setup and we will match you to the lenders that fit.
Send us your scenario: income, credit, and savings. We'll tell you in plain language which programs apply, in English or Spanish.
Figures shown are typical program guidelines and vary by lender, property, and your profile. This is not a commitment to lend. All loans are subject to credit and underwriting approval. Programs, rates, and requirements are subject to change without notice.
Equal Housing Lender. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.
We serve you in English and Spanish. Licensed in DC, Maryland, Virginia, Florida, and Texas.