Loan options

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Short-term Business Loans

If a business needs to fill a cash flow gap, increase working capital, or cover unexpected expenses, short-term business loans can provide rapid access to funding. These loans usually require repayment within a period of 3 to 18 months, with automatic daily or weekly payments.

Equipment Financing Loan

An equipment financing loan is a type of loan used to purchase or lease equipment for business purposes. This loan is specifically designed to help businesses acquire the equipment they need to operate or expand their operations without having to pay the full amount upfront. The loan may cover the entire cost of the equipment or a portion of it, and the equipment itself may be used as collateral for the loan. The repayment terms, including interest rates and length of the loan, may vary depending on the lender and the specifics of the loan agreement.

Business Lines of Credit

A business line of credit is a type of financing that allows businesses to access funds as needed, up to a predetermined credit limit. Similar to a credit card, the business can borrow and repay funds as necessary, and they only pay interest on the amount borrowed. The credit limit is determined based on various factors, including the business’s credit history, revenue, and financial stability. The repayment terms and interest rates may vary depending on the lender and the specific terms of the credit agreement.

Merchant Cash Advance

A merchant cash advance, also called an MCA loan, provides a financing option where a business receives a lump sum of cash upfront in exchange for a percentage of future sales or revenue. The repayment terms are typically based on a percentage of the business’s daily credit card or debit card sales or a fixed daily or weekly payment from the business bank account. This type of financing is typically used by businesses that need cash quickly, such as those with poor credit scores or those that do not qualify for traditional loans

SBA 7(a) Loan

SBA 7(a) Loan program, includes financial help for small businesses with special requirements. This is the best option when real estate is part of a business purchase, but it can also be used for: Short- and long-term working capital, refinance current business debt , purchase furniture, fixtures, and supplies. The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates.

Real Estate Loans

These loans include; Bridge, Fix & Flip, Rental Investment, Commercial Mortgage, and Construction

Startup & Personal Loans

In business less than 6months and may need funds for personal use

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