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What We Offer

sba loan

An SBA loan is a government-backed loan designed to support small businesses with favorable terms. These loans typically offer lower interest rates, longer repayment periods (up to 25 years), and higher borrowing limits. Common uses include working capital, equipment purchases, real estate, and business expansion. While SBA loans have stricter qualification requirements and a longer approval process, they provide affordable and reliable financing options for small businesses.

line of credit

A business line of credit is a flexible financing option that allows access to a set amount of funds as needed. Unlike a traditional loan, you can withdraw any amount up to the limit and only pay interest on what you use. This revolving credit option is ideal for managing cash flow, covering unexpected expenses, or seizing new opportunities.

equipment finance

Equipment financing is a loan or lease used to purchase business equipment, such as machinery, vehicles, or technology. The equipment itself serves as collateral, making approval easier and reducing the need for additional assets. These loans typically offer fixed interest rates and structured repayment terms that align with the equipment’s lifespan. Equipment financing helps businesses preserve cash flow while acquiring the tools needed for growth.

merchant cash advance

A cash advance is not technically a loan but provides immediate funds in exchange for a portion of future business revenues. Unlike traditional loans, cash advances don't have a set repayment schedule, interest rate, or fixed term. Instead, the lender agrees to a total repayment amount, which is paid back through a percentage of the business's future sales or receivables. This type of funding can be riskier for lenders but offers flexibility for businesses in need of quick capital.

Frequently Asked Questions

  • Having a bankruptcy in your history doesn't automatically disqualify you from securing a small business loan, but it can make the process more difficult. Not all lenders have the same criteria, but most will expect at least a year of positive credit history after the bankruptcy is finalized before considering approval.

  • Collateral refers to an asset or property that a borrower offers to secure a loan. If the borrower fails to repay the loan, the lender can seize the collateral to recover the funds. Common forms of collateral include real estate, equipment, inventory, or personal assets.

  • A personal guarantee is a commitment by the business owner to personally repay the loan if the business is unable to. This means the owner's personal assets, such as their home or savings, could be used to satisfy the debt if the business defaults on the loan. It gives lenders additional security, especially for newer or higher-risk businesses.

  • While not all lenders require a business plan, having one can significantly improve your chances of securing a loan. A well-crafted business plan demonstrates to lenders that you have a clear strategy for growth, financial management, and how you plan to repay the loan. For certain loan types, like SBA loans, a business plan is often required.