Loan Capital Programs for Small and Mid-Sized Businesses

Choosing the right financing structure is often more important than choosing a lender. Different programs solve different problems, and the same transaction may work under one structure and fail under another. We help evaluate your situation and align it with the most appropriate capital solution.

SBA 7(a) Loans
Flexible financing for business acquisitions, partner buyouts, expansion, and refinancing. Best suited for transactions supported by sustainable future cash flow rather than heavy collateral.

SBA 504 Loans
Long-term fixed-rate financing for owner-occupied commercial real estate and major equipment. Designed to help businesses control occupancy costs and build equity over time.

USDA Business and Industry Loans
An alternative to SBA financing for rural and certain suburban projects, especially when occupancy rules or deal size make SBA less practical.

Accounts Receivable Financing
Working capital based on customer invoices. Helpful for growing companies that need cash flow flexibility without taking on long-term debt.

Not sure which program fits your situation? We can review your project and help identify the most appropriate capital structure before you apply anywhere.