Business Loan Services

The Small Business Administration's most used program. Because the SBA guarantees a large share of the loan, lenders can approve deals they would otherwise decline, with lower down payments and longer repayment periods than a standard bank loan.

Common uses

• Buying an existing business or a competitor
• Refinancing current business debt
• Working capital and day-to-day cash needs
• Buying or improving owner-occupied property

A fixed-rate financing structure for buying and improving the property your business operates in. A bank funds the first share, a Certified Development Company funds the SBA-backed share, and you contribute the remainder.

Common uses

• Purchasing owner-occupied commercial real estate
• New construction or major renovations
• Buying long-life machinery and heavy equipment
• Ground-up build for a growing operation

A small, short-term loan delivered through local nonprofit lenders. Lighter paperwork and a faster decision make it a common first step for newer businesses that cannot yet qualify for a larger facility.

Common uses

• Start-up and early-stage capital
• Inventory, supplies and small equipment
• Short-term working capital gaps
• Building business credit history

A standard bank loan with no government guarantee. Because the lender carries the full risk, credit and financials matter more, but the loan closes faster and comes with fewer reporting requirements than an SBA product.

Common uses

• Expansion, new locations or new markets
• Debt consolidation on cleaner terms
• Large equipment or vehicle purchases
• One-time capital projects and acquisitions

Financing secured by the property itself, used to purchase, build or refinance commercial space. Terms are driven by the property's income, location and the strength of your business.

Common uses

• Buying office, retail, industrial or mixed-use property
• Refinancing an existing mortgage
• Build-to-suit construction
• Cash-out refinance for growth capital

A credit limit you draw from and repay on an ongoing cycle, paying interest only on what you actually use. It sits in the background and is there the moment cash flow dips.

Common uses

• Covering payroll during slow months
• Seasonal inventory and material buys
• Bridging gaps while invoices collect
• Handling unexpected expenses

A loan where the equipment itself is the collateral, so approval leans on the asset's value as much as on your business. The repayment term is usually matched to the useful life of the equipment.

Common uses

• Machinery, production and kitchen equipment
• Trucks, vans and fleet vehicles
• Technology, servers and systems
• Medical, dental and specialty equipment

Short-term capital that funds a project while it is being built or while a longer-term loan is being arranged, then converts or pays off once the permanent financing is in place.

Common uses

• Ground-up construction projects
• Renovation and repositioning deals
• Buying a property before refinancing
• Acting quickly on a time-sensitive opportunity