Financing Options
Flexible capital options engineered to power operational scale, purchase equipment, leverage real estate, and unlock immediate growth.
SBA Loans
SBA loans are small business loans guaranteed by the Small Business Administration (SBA) and issued by participating lenders. The SBA sets strict guidelines for loans made by its partnering lenders to minimize interest rates and extend terms for borrowers.
These loans can be used for most business purposes, including long-term fixed assets, operating capital, and business acquisition.
- SBA 7(a) Loans: Interest Rates: Prime + margin, Loan Amounts: $50,000 to $5,000,000, Repayment Terms: 10 to 25 years.
- 504 Loans: Long-term, fixed-rate financing for real estate and major equipment issued through mission-oriented Certified Development Companies.
Term Loans
A term loan provides an upfront lump sum of capital in exchange for structured repayment schedules, fixed/variable interest rates, and specified maturity dates.
Typically offered by banks, credit unions, and premium online lenders, they are best suited for businesses with established credit ratings looking to purchase fixed assets, scale structures, or increase operating capital.
- Repayment: Structured, predictable installments over weekly, bi-weekly, or monthly intervals.
- Rates & Duration: Rates depend heavily on credit ratings. Durations typically last between 1 to 10 years, up to 30 years in custom cases.
Real Estate Financing
We provide tailored financing solutions for every scale of real estate transaction—from single-family investment assets to commercial buildings, apartment complex acquisitions, and major developments.
- Investment & Commercial Properties: Amortization cycles up to 30 years with fixed or adjustable interest structures.
- DSCR & Development Financing: Underwritten using projected property cash flow (DSCR) or custom construction draws. Borrowing capacities up to $250 Million.
Equipment Financing
Secure funding specifically to acquire vehicles, production machinery, medical devices, office furniture, specialized technologies, or retail build-outs.
Using the purchased asset as the primary collateral allows you to protect cash reserves and secure lower interest rates.
- Flexible Durations: Repayments structured between 18 to 48 months, up to 72 months.
- Low Rates: Extremely competitive rate tiers to keep operating cash flow unhindered.
Lines of Credit
A business Line of Credit (LOC) gives you a revolving capital limit, offering flexibility to draw money only when needed and only pay interest on the amount active.
Ensure absolute peace of mind knowing you can instantly access capital to purchase inventory, order raw supplies, cover payroll gaps, or act on immediate growth opportunities.
- Repayment cycles: Varies between 18 to 48 months with revolving access.
- Rates: Interest structures scale depending on usage parameters.
Merchant Credit Card Processing
Connect a world of card payments seamlessly and securely. Accept contactless, swipe, keyed, and online card payments directly at your business terminals.
- Straightforward Pricing: Competitive processing rates, no hidden fees, and zero long-term commitments.
- Data Security: Full PCI compliance and end-to-end data encryption included at no extra cost.
Micro Loans
Microloans are small-scale financing options of $50,000 or less, specifically designed to help small startups, micro-enterprises, and non-profit childcare facilities establish themselves.
These loans are delivered through intermediary, community-based organizations approved by the SBA to support localized economic growth.
- Startup-Friendly: Slightly more relaxed eligibility criteria than traditional bank loans.
- Fast Approvals: Sized to cover operational startup costs, marketing, inventory, or minor equipment.
Find out how much your business qualifies for
Speak with our Relationship Managers to review all available loan structures and secure custom rates.
Get Pre-Approved Now