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BUSINESS LOAN APPLICATION

Complete our secure online business loan application form or speak with a small business specialist at (571) 544 6600.

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48 HOURS LOAN APPROVAL

Our team will review your loan application and offer the best available funding options. Fast approval process with 500+ credit score.

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HASSLE-FREE FUNDING

If approved, receive funds in your account as soon as the same day, plus access to your online account and automatic repayment.


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WORKING CAPITAL LOAN

A working capital loan helps small business owners meet daily operational expenses, like payroll and purchasing additional goods or materials. These short-term loans can help stabilize cash flow and meet immediate business needs. Working capital loans are not ideal for long-term investments or growth because they have shorter repayment terms.
Small business working capital loans are perfect for healthy businesses with steady revenue. Working capital loans are ideal for business owners who need flexible, short-term funding without the hassle. With shorter payment periods and flexible usage, our working capital loans provide speed, simplicity, and versatility to meet the funding needs of small businesses. Funds are automatically deposited into your business bank account with repayments already set up, so you can focus on running your company.

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WHAT CAN A WORKING CAPITAL LOAN DO FOR MY BUSINESS?

Working capital loans are a perfect way for business owners who need flexible, short-term funding to grow their business without having to make tough decisions as to how they should allocate funds. With shorter payment periods and flexible usage, Commercial Lending USA’s working capital solutions provide speed, simplicity, and versatility to meet the funding needs of small businesses. Funds are automatically deposited into your business bank account with repayments already set up, so you can focus on running your company.

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Marketing Campaigns

Ready to launch a new marketing campaign or expansion? Working capital loans can help you go to market faster and help you meet increased demand.

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Employees Payroll

Are You hiring more people or meeting payroll? Working capital loans ensure that you have enough cash to pay employees, maintain operations, and scale your business.

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Cash Flow Management

Need to stabilize your cash flow? These business capital loans are ideal for ensuring that you always have enough liquidity to maintain operations.

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Minimum Qualifying Criteria

Working Capital Loans are available to businesses throughout the U.S. which meet certain criteria:
500+ credit score
6+ months in business
$15,000+ average monthly bank deposits

Required Documentation

Mortgage statement if you own or business lease agreement
Unexpired government-issued picture ID of all owners
Most recent 3 months business bank statement
Most recent business tax return if $100,000+ loan amount

LONG TERM BUSINESS LOAN

It is harder to find business long term loans without real estate transactions. We have several Investors to structure and find the best match for your long-term working capital. Here are few product highlights:

Up to $100,000 Line of Credit: It requires a minimum 2 years of business tax returns and 720 credit score. Estimated 5%- 8% interest rates with 7-10 years amortization.
Up to $250,000 SBA 7(a) Loan: Though has been designed for startup business, lenders are not comfortable to lend without a real estate stack. If you are running a business and prefer to extend, you may want to sign up to handle this loan. It will be a 2-3 months process and requires handling an experienced team. Estimated 5.5%- 9% interest rates with 6-10 years amortization.
Up to $2,000,000 Cash Out Refinance: If you have a low or no balance real estate property, cash out refinance will be another option to bring additional cash to buy a new business or expand your current business.

If you’re not sure exactly which loan product will be your best option, or would prefer to discuss with your consultant, please click on the contact us and fill out the form with your details and two available times to call. It will be our pleasure to do business with you.

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BUSINESS BRIDGE LOAN

A Bridge Loan is a financial product that functions as a short-term amortizing loan to support projects or investments that are expected to generate returns. Small businesses, particularly in their early phases, frequently see the chance for extreme growth, but often on the other side of a financial hurdle. Business owners and entrepreneurs experience immense pressure at the outset of their business venture to cover operating costs merely to keep the doors open. Restaurants, hotels, and retail operations often want to be up and running before conventional financing has been approved in order to start bringing in money. A Bridge Loan covers businesses during the waiting period. It allows owners to avoid further dividing up their interest in the business with a new partner and losing out on profits and control over critical business decisions in the long run. This is a perfect model before taking over the conventional, SBA loan or business expansion and requires at least one year of high-volume sales. This could be 6 to 24 months with a line of credit or one time fund. It takes 7-10 days to approve and fund.

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