Small businesses are the backbone of the U.S. economy—and access to capital remains one of their greatest challenges. We help entrepreneurs and business owners identify the right financing structure for growth, equipment, inventory, payroll, and acquisition.
Types of business financing
- SBA 7(a) and 504 loans: Government-backed programs with competitive rates and longer terms
- Term loans: Lump-sum funding repaid over 1–10 years
- Equipment financing: Secured by machinery, vehicles, or technology
- Lines of credit: Revolving access for ongoing cash flow needs
- Invoice factoring & merchant cash advances: For businesses with receivables or card sales
What lenders evaluate
Business credit score, personal credit of owners (especially for guarantees), time in business (often 2+ years preferred), annual revenue, profitability, industry risk, and business plan for startups. We help you present a compelling package.
Typical amounts and terms
SBA loans range from $30,000 to $5 million. Online term lenders may offer $5,000–$500,000 with faster approval but higher rates. We compare total cost of capital across options.
Request Consultation