Small Business Financing Services

Small Business Financing Options

We can assist you in obtaining financing for your small business.

Small business financing options include:

• Debt and Traditional Bank Financing,
• Government-Backed & SBA Programs,
• State and Local Options, and
• Alternative and Equity Financing.

Debt and Traditional Bank Financing

• Business Term Loans: Lump-sum funds repaid with fixed monthly interest over a set period (typically 1 to 5 years), best for established businesses with steady revenue.
• Business Lines of Credit: Revolving access to capital (such as options from Chase Business Loans or Wells Fargo Small Business Credit) where you draw funds as needed and pay interest only on what you use.
• Equipment and Vehicle Financing: Secured loans used specifically to purchase machinery, vehicles, or gear, where the equipment itself serves as collateral.
• Commercial Real Estate Loans: Long-term mortgages (up to 25 years) used to purchase, build, or remodel commercial property.

Government-Backed and SBA Programs

• SBA 7(a) Loans: The Small Business Administration primary program offering flexible long-term working capital and expansion funds up to $5 million.

• SBA 504 Loans: Fixed-rate, long-term financing targeted at major fixed assets like real estate or heavy equipment, partnered with Certified Development Companies.

• SBA Microloans: Smaller amounts up to $50,000 for startups and non-profit childcare centers.

State and Local Options

• Many states and local governments provide credit initiatives.

Alternative and Equity Financing

• Online Lenders: Fast approval and funding for businesses that may not meet strict traditional bank criteria, though typically at higher interest rates.

• Grants and Crowdfunding: Non-repayable funds from government or private entities, or crowd-backed capital platforms.

• Equity Financing: Trading a percentage of ownership and future profits in exchange for capital from angel investors or venture capital firms.