What Business Loan is right for me?

Whether you are looking for capital to grow your business, payroll, hiring, equipment, repairs, taxes, cash flow, or any other business need; we have the right personalized funding product for you. We employee the most seasoned professionals in the industry, who are there for you every step of the way through our easy and streamlined funding process.

Simply answer a few questions about yourself and your business needs and we will be able to provide you with no obligation offers that best suit your particular circumstance.

Explore your options!

Find the best  type of loan product that’s right for you, and see what kind of payment you can afford.

Business Term Loan

Looking for a lower interest rate with longer terms, then a term Loan might be the right for you.  These loans are designed for growth.  Just about any large business expense could be covered by a term loan.  The qualifying process is much simpler then going through your bank.  Also, you can have the funds deposited into your bank account in as little as a day.

Business Line of Credit

These loans provide you with a line of credit that is available to you at anytime.  You can use, payback, and reuse capital as needed.  These are great to use for payroll, slow receivables or any business expense that may arise.  Only pay for what you use.

Short-Term Business Loan

If you need money fast, Short-term loans can be funded as soon as day of.  These loans focus more on cash flow so qualifying is easier and faster.  With this loan you will get an agreed upon sum of money that would be paid back over a specified amount of time with interest.  These loans are good for a fast influx of cash and are not suited for long term projects.  You also need fair but not stellar credit to qualify for these.

Merchant Cash Advance (MCA)

This type of funding product does not have an interest rate to pay back but instead a shared percentage of future revenue in exchange for capital up front.  The loan payments are tied to monthly revenue.  Therefore, you won’t have a large payment during a down month.  This type of funding has less stringent credit requirements and a much higher approval rate than traditional forms of financing.

Equipment Financing

If you are looking to purchase new equipment, this may be the optimal option for you.  With these loans you can improve efficiency with new equipment, without negatively impacting your cash flow.  You can have the newest and best equipment while keeping your costs to a minimum.

SBA Loan

Because SBA loans are partially backed by the U.S. Government’s Small Business Administration, the terms and rates tend to be more favorable because it is less of a risk to the lender.  We offer several SBA loan products.  If you are a business owner with a great operating history, this may be the right loan product for you.

Why Does My Business Need a Small Business Loan?

If your business needs additional capital for any number of reasons, getting a small business loan can be the best decision you make as a business owner.

Stop the Cash Flow Crunch

Every business, regardless of its age or size, has periods of time where cash flow is tight. A small business loan can shore up these happenings, without it effecting day to day operations.

Save Your Equity

Getting a small business loan lets you keep control and your equity.  A loan, often referred to as debt, allows you keep the profits for yourself without having to ask for permission on how to run your company.

Grow Your Business

If you want to grow your business, you have to invest back into your business.  A small business loan can help you accomplish that without using up all your working capital.

Expand Your Business

Are you trying to enter a new market? A small business loan can help you open a new location and grow your business’s reach . With more locations, the greater your chance to grow your business.

Is it Difficult to Apply for a Business Loan?

Applying for a small business loan is a big step.  Before applying, let’s see where and how to apply.

A Few Places to Apply for Small Business Loans

Banks & Credit Unions

When you apply through a bank or credit union, you go through a slow and arduous process that can take as long as 6 months.  You are asked to complete a thorough application, meet with a business loan officer, provide a laundry list of documents, and sometimes even a professionally written business plan.

Online Lenders

When applying with an online lender the process can be simple. An online application can often be completed in minutes.  The applications usually ask  for basic business and personal information.  Many times you can even approved you within hours.

Documents that you may need

  • 1. Valid Drivers License or other government ID
  • 2. Business or Personal Tax Return
  • 3. Voided Check
  • 4. Additional Business Bank Statements.

We'll Help You Get the Best Loan Offer

When you are ready to find the business loan that’s right for you, it’s important to ask yourself these questions and make sure you answer “Yes”.

  1. Will my business be able to pay back this loan?
  2. Can the business afford the payment?
  3. Can the business keep up with the payment interval it was approved for?
  4. Can I find a lower rate?
  5. Do I know all the costs of the loan?

Now you are ready to accept your business loan and start growing your company.