Financing Options

SBA Loans:

SBA loans are small business loans guaranteed by the SBA and issued by participating lenders. The SBA works with lenders providing loans to small businesses. The agency doesn’t lend money directly to small business owners. Instead, it sets guidelines for loans made by its partnerning lenders and organizations.

Loans guaranteed by SBA range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital. Some loan programs set restrictions on how you can use the funds, so check with an SBA-approved lender when requesting a loan. Your lender can match you with the right loan for your business needs.

SBA 7A Loans
• Interest Rates: Prime +
• Loan Amounts: $50,000 to $5,000,000
• Repayment Terms: 10 to 25 years

504 loans
Long-term, fixed-rate financing available through mission-oriented, community-based SBA Certified Development Companies.

7 A Loans

SBA’s primary program for providing long-term financing for a variety of purposes. 7(a) loans are delivered by SBA 7(a) lenders.

TERM LOANS:

A term loan is a loan where a borrower receives a lump sum of money in exchange for a set repayment schedule, interest rate, and term. Term loans are typically offered by banks, credit unions, and online lenders

Here are some characteristics of term loans:

Repayment : Borrowers pay back the loan in regular installments over a set period of time. The repayment period can be weekly, bi-weekly, or monthly.
Interest rate : The interest rate can be fixed or variable. Fixed rates remain the same, while variable rates change based on the market.
Term Term loans : typically last between one and ten years, but can be as long as 30 years.
Use : Term loans are often used by small businesses to purchase equipment, buildings, or to increase capital.
Borrower credit : The interest rate is often based on the borrower's credit rating.

Real Estate Financing:

We provide tailored financing solutions for every type of real estate opportunity—from owner‑occupied single‑family properties to multi‑property investments and major commercial or development projects. Our customizable loan programs include DSCR‑based options and flexible terms to accommodate different borrower goals.

Single‑Family & Investment Properties – Owner‑occupied or rental properties; competitive fixed or adjustable rates, terms up to 30 years
Multi‑Unit & Commercial Buildings – Small apartment complexes and commercial assets; financing sized to project needs with flexible amortization
Large Development Loans – Structured financing for large‑scale development projects; tailored amortization aligned with construction and sale cycles
DSCR Financing – Loans underwritten based on projected property cash flow; ideal for investors minimizing reliance on personal income

✅Borrowing Capacity – Up to $250 million, subject to borrower profile and asset quality
✅Fast Turnaround & Expert Guidance – Dedicated Real Estate Relationship Manager offers rapid approval and swift funding

EQUIPMENT FINANCING:

Equipment financing is the process of getting a loan or lease to acquire business equipment. Organizations can use equipment financing to purchase almost anything their business needs, aside from real estate. They can use equipment financing to acquire company vehicles, technology, production equipment, office furniture and fixtures, medical equipment, build-out costs and many other items needed to run their companies.A line of credit means peace of mind knowing you can access extra capital when you need it.
Terms can vary from 18-48 months and rates can be as low as 1 percent.

Interest rate : The interest rate can be fixed or variable. Fixed rates remain the same, while variable rates change based on the market.
Term Term loans : Term loans typically last between one and ten years, but can be as long as 30 years.
Use : Term loans are often used by small businesses to purchase equipment, buildings, or to increase capital.
Borrower credit : The interest rate is often based on the borrower's credit rating.

LOC ( Line of credit ):

A LOC gives you the flexibility to pay as you go. You only pay interest on what you use. Also gives access to money to buy inventory, order supplies, jump on timely business opportunities or cover unexpected expenses.
A line of credit means peace of mind knowing you can access extra capital when you need it.
Terms can vary from 18-48 months and rates can be as low as 1 percent.

MERCHANT CREDIT CARD PROCESSING:

Connect a world of payments seamlessly and securely
Offer your customers the convenience of multiple payment types, from credit and debit cards, to contactless, swipe and keyed
Enjoy straightforward, competitive pricing with no surprises and no long-term contracts

Best-in class data security included in all of our solutions at no extra cost

MICRO LOANS:

Loans of $50,000 or less to help businesses and certain non-profit childcare centers. Microloans are provided by intermediary lenders

Bridge Loans

A bridge loan is short-term financing designed to bridge a gap in funding between two financial events. It provides an upfront lump sum of capital that can be used to cover immediate business needs while waiting for longer-term financing or revenue to come through.

There are many reasons why you might need a bridge loan. Many businesses face cash flow challenges and need working capital to purchase inventory, cover payroll, or manage operating expenses. You might need a short-term bridge to take advantage of a growth opportunity or to stay afloat while waiting for a larger loan or investment to be finalized.

Bridge loans are fast, flexible, and based on your business’s performance. They’re a great option for businesses that need quick access to funds without the long approval process of traditional loans.