SmallBusinessLendingUS.com • Est. 1994 ✆ (877) 935-8266  •  info@smallbusinesslendingus.com
All Loan Products

Every Business Financing Solution. One Source.

9 products. 250+ lender sources. One contact. Whether you need $5,000 or $5 million, we find the right structure at the right rate for your specific business.

Commercial Real EstateEquipmentSBA Loans Working CapitalHard Money Medical ReceivablesCash Advance Line of CreditAcquisitions
COMMERCIAL REAL ESTATE

Commercial Real Estate Financing

Purchase, refinance, and cash-out on hotels, motels, restaurants, strip malls, office buildings, mixed-use properties, and raw land. SBA 504 available with only 10% down. We close deals that banks decline.

$100K+
Loan Minimum
25 yrs
Max Term
65–80%
Typical LTV
  • Hotels, motels, extended stay, and boutique properties
  • Restaurants, fast food, and franchise locations
  • Strip malls, retail centers, shopping plazas
  • Office buildings and medical office
  • Mixed-use residential/commercial
  • Raw land and land development
  • SBA 504: owner-occupied with 10% down, fixed rates
  • Conventional: purchase, refi, and cash-out
  • Hard money bridge when conventional isn't an option
Apply for CRE Financing →

Quick CRE Inquiry

WORKING CAPITAL

Working Capital & Term Loans

Unsecured working capital for any legitimate business purpose. No collateral required for qualified businesses. Revenue-based qualification means strong cash flow matters more than perfect credit. $10K to $2M.

$10K–$2M
Range
6–60 mo
Terms
Fast
Funding
  • No collateral required for qualified businesses
  • Use funds for payroll, inventory, marketing, renovations, equipment — any purpose
  • Fixed monthly payments — predictable repayment
  • Revenue-based qualification — cash flow is primary factor
  • 2+ years in business and $15,000+/month revenue preferred
  • Funded often within days of approval
Apply for Working Capital →

Working Capital Application

HARD MONEY & BRIDGE

Hard Money & Bridge Loans

Asset-backed financing for real estate investors and businesses that cannot wait for traditional bank timelines. Underwriting is based primarily on the asset value — not just your credit score or tax returns. Close in days, not months.

Days
To Close
65–75%
LTV Typical
Asset
Based UW
  • Fix and flip residential and commercial properties
  • Bridge loans for time-sensitive acquisitions
  • Construction and rehabilitation financing
  • Credit challenges are not automatic disqualifiers — asset value is primary
  • 6–24 month terms with extension options
  • Interest-only payment options available
  • Complex income situations accommodated
Apply for Hard Money →

Hard Money Inquiry

MEDICAL RECEIVABLES

Medical Receivable Financing

Healthcare providers wait 90–180 days for insurance reimbursements. Medical receivable financing converts those outstanding claims into immediate operating cash — without waiting and without traditional debt. Keep your practice running while the insurance clock ticks.

Immediate
Cash to You
90–180
Days Saved
All
Provider Types
  • Physicians, specialists, and group practices of all sizes
  • Dental and oral surgery practices
  • Physical therapy, chiropractic, and rehabilitation centers
  • Medical billing companies
  • Advance against Medicare, Medicaid, and commercial insurance claims
  • Ongoing facility — draw as new receivables are generated
Apply for Medical Financing →

Medical Receivables Inquiry

LINE OF CREDIT

Business Line of Credit

Revolving access to capital on demand — draw what you need, repay it, draw again. You pay interest only on what you have outstanding. Ideal for businesses with seasonal cash flow, ongoing inventory needs, or unpredictable operating expenses.

Revolving
Draw & Repay
Pay Only
What You Use
Standing
Facility
  • Draw funds when needed — no need to reapply for each draw
  • Interest accrues only on outstanding balance
  • Repay principal to restore available credit
  • Ideal for seasonal businesses, contractors, and distributors
  • Works for inventory, payroll bridging, and operating gaps
  • Secured and unsecured options depending on profile
Apply for Line of Credit →

Line of Credit Application

ACQUISITIONS & STARTUPS

Business Acquisition & Startup Financing

Financing for the purchase of an existing business, a franchise, or a startup with strong projections. SBA 7(a) allows as little as 10% down on qualified business acquisitions. We structure deals for buyers who don't yet have years of operating history.

10%
Down (SBA)
$5M
Max SBA
All
Business Types
  • Purchase an existing operating business with SBA financing
  • Franchise acquisitions — we know which lenders favor which brands
  • Startup financing for businesses with strong projections and relevant experience
  • Partial acquisitions and partner buyouts
  • Seller financing can be combined with SBA for better structure
  • Working capital included when structured correctly
Apply for Acquisition Financing →

Acquisition Financing Inquiry

Not Sure Which Product Fits?

Call us. We analyze your situation in minutes and point you to the lowest-cost solution you qualify for.

Apply Now → Call (877) 935-8266