Business Financing Services
We help business owners and buyers choose the right financing, prepare the deal, and place it with lenders that fit.
Financing types
- 01SBA 7(a)The most common path for franchise startups, new locations, business acquisitions, partner buyouts, and working capital, including smaller loans.
- 02SBA 504Long-term financing for owner-occupied real estate and major equipment.
- 03Conventional FinancingUsually cheaper and faster than SBA if the business has 2+ years of strong financials and collateral.
- 04Equipment FinancingFinancing for trucks, machinery, and other equipment, usually secured by the equipment itself.
- 05Working CapitalFunding for payroll, inventory, job costs, and growth, including SBA working capital and, in some cases, unsecured options.
Preparation and execution
- 06Business Plan & Projection SupportPlans and projections built from your real numbers.
- 07Lender MatchingYour deal in front of lenders who do your size and type of deal.
- 08Term Sheet ReviewReview term sheets side by side before you choose a lender.
Comparing common options
| Option | Common uses | What lenders typically weigh | Notes |
|---|---|---|---|
| SBA 7(a) | Franchise startups, new locations, acquisitions and resales, partner buyouts, working capital | Cash injection, cash flow, first-year household income, collateral, experience | Most common path for our clients, including smaller loans |
| SBA 504 | Owner-occupied real estate, major long-life equipment | Project fit, occupancy, equity in the deal | Involves a bank and a Certified Development Company |
| Conventional | Established businesses with strong financials | Operating history, cash flow, collateral | Usually cheaper and faster than SBA with 2+ years of strong financials and collateral |
| Equipment | Trucks, machinery, build-out equipment | The equipment, business, and borrower credit | Equipment usually secures the loan |
| Working capital | Payroll, inventory, job costs, growth | Revenue history, cash flow | Includes SBA working capital and, in some cases, unsecured options |
This is a general guide. Every lender sets its own requirements and terms.