Elevate Your Business With Smart Capital

Access up to $15 million in funding with competitive rates, monthly payment and flexible terms designed to fuel your business growth and expansion.

Takes 3 minutes. No credit inquiry, no harm to your credit score, no SSN.

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Recent Funding

Real Funding Results

Real loan amounts, rates, terms and monthly payments from our programs — so you can see what fits your business before you pre-qualify.

1–25 Year Business Loan Program

Recent Funding

Loan AmountRateLoan TermMonthly Payment
$273,00019.99%5 years$7,231.31
$550,00014.25%25 years$6,726.10
$425,00014.25%8 years$8,023.31
$750,00014.25%25 years$9,171.96
$150,00019.99%3 years$5,573.77
$250,00019.99%3 years$9,289.62
$400,00014.25%5 years$9,359.23
$675,00014.25%5 years$15,580.33
$1,500,00014.25%25 years$18,343.91
  • You can consolidate MCA loans and business & personal debts used in the business.
  • Great for working capital.
  • Great for refinancing commercial real estate loans, purchasing a business location, and funding up to $15 million.
  • No SBA requirements.
  • 650 minimum credit score

12 Year Simple Business Loan Program

Recent Funding

Loan AmountRateLoan TermMonthly Payment
$400,00019.99%12 years$7,343.65
$325,00019.99%12 years$5,966.71
$200,00019.99%12 years$3,671.82
$500,00019.99%12 years$9,179.56
$125,00019.99%12 years$2,382.62
  • You can consolidate MCA loans and business and personal debts used in the business.
  • Great for working capital.
  • Funds up to $500,000, no SBA requirements, minimum credit score 640.

Commercial and Investor Properties

Recent Funding

Loan AmountRateLoan TermMonthly Payment
$2.2 million7%25 years$15,549.14
$3.5 million8.25%25 years$27,595.75
$1.4 million7%25 years$11,038.30
$9 million7.75%25 years$67,979.59
  • No minimum credit score.
  • Commercial & investor properties can be used for business-owned investment properties, cash flow, working capital, and consolidating personal & business debt.
  • Very little limit on the use of funds.
  • Also, interest-only payments and balloon notes are available too.

SBA 7(a) & SBA 504

Recent Funding · SBA 7(a)

Loan AmountRateLoan TermMonthly Payment
$350,00010.75%10 years$4,771.85
$250,00010.75%10 years$3,408.47
$150,00010.75%10 years$2,054.08
$475,50010.75%25 years$4,569.94
$2.5 million10.75%25 years$24,052.32
  • SBA 7(a) & SBA 504: Commercial Real Estate (refinancing/purchasing locations), working capital, equipment financing, and debt consolidation.

SBA 7(a) vs. SBA 504

The main difference between SBA 7(a) and 504 is that 7(a) can finance 100% of the project, and 504 can finance 90%. 7(a) rates are higher and the 504 rates are lower. 7(a) allows you to cash out for working capital and consolidate business debt, while 504 has no working capital, only refinancing or purchasing business real estate and purchasing equipment that has a 10-year life expectancy.

SBA 504 Loan Program
Loan Programs

Premium Financing Solutions

Tailored loan programs designed to meet your business needs at every stage of growth

Term Loans: Monthly payments with terms from 1 to 25 years — from $50K up to $15 million.

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Commercial / Investment Real Estate: Commercial / Investment Real Estate Business Loans to purchase or refinance commercial and investment property.

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SBA Loans: SBA 7(a) for working capital & business real estate (up to $5 million) and SBA 504 for real estate & equipment (up to $5.5 million) — terms up to 25 years.

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Most Expensive Business Money: For credit scores under 640 — MCA advances and loans.

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Best Value

SBA 7(a) Business Loan Program

  • SBA 7(a) Loan Program up to $5 million, Current Prime + 3% variable rate
  • Working capital & business real estate
  • 10-year term (up to 25 years with real estate)
  • No prepayment penalty
  • Minimum FICO score 650
  • 2 years business tax returns required
  • Gross $30k Annually

Recent Funding · SBA 7(a)

Loan AmountRate · TermMonthly
$350,00010.75% · 10 years$4,771.85
$250,00010.75% · 10 years$3,408.47
$150,00010.75% · 10 years$2,054.08
See all 5 recent fundings
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Flexible

1-25 Year Business Loan Programs

  • Term Loans from $50K – $15 Million
  • Rate: 5-Year US Treasury Bill + 9.5%
  • Terms 1 to 25 years
  • Monthly Payment
  • Minimum 2 years in business
  • Minimum FICO score 650
  • No bankruptcies or foreclosures in the past 24 months
  • Minimum average monthly business cash flow: $3,500 home-based / $6,000 commercial space

Recent Funding

Loan AmountRate · TermMonthly
$273,00019.99% · 5 years$7,231.31
$550,00014.25% · 25 years$6,726.10
$425,00014.25% · 8 years$8,023.31
See all 9 recent fundings
Learn More
640+ Credit

12 Year Business Loan Program

  • Loan amount up to $500,000
  • Up to 12 years to pay = low monthly payments
  • Rates start at 19.99%
  • Minimum credit score 640
  • Refinance or consolidate MCA loans
  • Consolidate personal + business debt into one payment
  • Ideal for investing into a small business
  • No personal collateral required

Recent Funding

Loan AmountRate · TermMonthly
$400,00019.99% · 12 years$7,343.65
$325,00019.99% · 12 years$5,966.71
$200,00019.99% · 12 years$3,671.82
See all 5 recent fundings
Learn More
Long-Term Options

SBA 504 Business Loan Program

  • Benefits:
  • Real estate & equipment financing
  • Loans from $30,000 – $5.5 Million
  • Interest rates Current Prime + 3% variable rate
  • Terms up to 25 years
  • Equipment must have a 10-year life expectancy
  • Multiple loans can be consolidated and/or refinanced
  • Cash out available up to 90% LTV
  • Up to 20% of the appraised value can be cashed out for working capital
  • Eligibility
  • Business at least 24 months old
  • Debt being refinanced must be a commercial loan.
  • 51% or more owner-occupied
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Working Capital

Business Line Of Credit

  • Credit lines up to $5 Million
  • Average 6% to 14%, terms upto 36 months with indefinite terms
  • Monthly repayments
  • Minimum credit score 650
  • Business Line of Credit for Eating / Drinking & Retail Businesses that require Inventory (excluding apparel businesses)
  • 3 Different Lines of Credit:
  • Lines backed by Account Receivables.
  • Lines backed by Inventory.
  • Lines offer a continuous source of working capital
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Owner-Occupied

SBA 7(a) Commercial Real Estate Loan

  • Loans from $400,000 – $5 Million
  • Purchase or refinance owner-occupied commercial real estate
  • Terms up to 25 years
  • No balloon payments
  • Refinance business debt
  • Minimum FICO score 650
Learn More
Investors

Commercial / Investment Real Estate Loans

  • Loans from $65,000 – $30,000,000
  • Up to 100% LTV (based on qualification)
  • Amortization up to 30 years
  • Fixed or floating rates
  • No minimum credit score
  • Fix-and-flip, multi-family, cash-out, new construction, bridge loans

Recent Funding

Loan AmountRate · TermMonthly
$2.2 million7% · 25 years$15,549.14
$3.5 million8.25% · 25 years$27,595.75
$1.4 million7% · 25 years$11,038.30
See all 4 recent fundings
Learn More
Up to 100%

Equipment Financing

  • Up to 100% equipment financing
  • Flexible terms & monthly payments
  • Medical, dental, restaurant, manufacturing, construction & office equipment
  • New or used equipment
  • Free, no-obligation quote
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Cash Flow

Invoice Factoring

  • Turn unpaid invoices into working capital
  • No additional debt
  • No personal collateral
  • Platinum & Gold programs for every business size
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No Collateral

Unsecured Personal & Business Financing

  • Borrow up to $250,000 unsecured
  • Terms from 6 to 60 months
  • No up-front fees
  • No prepayment penalties
  • For credit scores above 640
Learn More
Credit Under 640

MCA / ACH Short Term Business Loan & Cash Programs

  • The most expensive money in business lending — if you qualify for a Term Loan or our 12 Year Loan, you will pay far less
  • For credit scores under 640
  • $5,000 to $750,000
  • Terms from 6 to 36 months
  • Daily & weekly repayments
Learn More
Let's Grow Together

Ready To Take Your Business To The Next Level?

Our streamlined application process makes it easy to get the funding you need. Get pre-approved today without impacting your credit score.

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FAQ

Frequently Asked Questions

Find answers to common questions about our business loan programs

Minimum credit scores by program:

  • SBA 7(a) Loans: Minimum FICO score 650
  • 1-25 Year Business Loans: Minimum FICO score 650
  • Business Line of Credit: Minimum credit score 650
  • 12 Year Business Loan Program: Minimum credit score 640
  • Unsecured Personal & Business Financing: For credit scores above 640
  • Commercial and Investor Properties: No minimum credit score

Pre-qualification tells us which program fits your business before you apply:

  • Takes 3 minutes — no credit inquiry, no harm to your credit score, no SSN
  • We review your answers and call you to talk about your options
  • We then email you the exact list of documents you need — so you only apply once, the right way

Both are SBA programs, used for different needs:

  • SBA 7(a): working capital and business real estate — up to $5 million
  • SBA 7(a) terms: 10 years, or up to 25 years when real estate is involved
  • SBA 504: real estate and equipment — up to $5.5 million, terms up to 25 years
  • SBA 504 equipment must have a 10-year life expectancy (usually manufacturing equipment)
  • 7(a) can finance 100% of the project, and 504 can finance 90%
  • 7(a) rates are higher and the 504 rates are lower
  • 7(a) allows you to cash out for working capital and consolidate business debt, while 504 has no working capital, only refinancing or purchasing business real estate and purchasing equipment that has a 10-year life expectancy

For our 1-25 Year Business Loan Programs:

  • No bankruptcies or foreclosures in the past 24 months
  • Minimum FICO score 650 and at least 2 years in business

Rates by program:

  • 1-25 Year Business Loans: 5-Year US Treasury Bill + 9.5%
  • SBA 7(a): Current Prime + 3% variable rate
  • SBA 504: Current Prime + 3% variable rate
  • 12 Year Business Loan Program: rates start at 19.99%
  • Business Line of Credit: average 6% to 14%
SBA 504 financing for heavy equipment and fixed assets

Pre-approval takes just minutes after completing our questionnaire.

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Client Success Stories

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