What are the requirements for a long-term business loan?

To qualify for a long-term business loan, you generally need a strong credit history and at least 3 years of profitable business and personal tax returns. The approval process can take between 60 to 90 days.

How quickly can I get funding?

If you need funding quickly or have a less-than-ideal credit history or taxable income, consider a working capital loan. This type of loan can often be processed faster than long-term loans.

What is a Line of Credit, and how does it work?

A Line of Credit allows you to borrow up to a certain amount, such as $100,000, based on your creditworthiness and business tax returns. It offers flexible access to funds and typically comes with interest rates of 5%-8% and a repayment period of 7-10 years.

What is an SBA 7(a) Loan?

The SBA 7(a) Loan is designed for startup businesses but may require real estate to secure the loan. It has an estimated interest rate of 5.5%-9% and a repayment term of 6-10 years. The process can take 2-3 months and often requires assistance from an experienced team.

What is a Cash Out Refinance?

A Cash Out Refinance allows you to access additional cash by refinancing a property with low or no balance. This cash can be used to buy a new business or expand your current one. The maximum loan amount available is up to $2,000,000.

How do I determine which loan product is best for me?

If you're unsure which loan product suits your needs or prefer to discuss your options with a consultant, please visit our contact page and fill out the form with your details. Our team will assist you in finding the best loan program for your business.

Are there any hidden fees associated with these loans?

We strive to provide transparent information about all fees associated with our loans. However, specific fees can vary based on the loan type and individual circumstances. We recommend discussing all potential fees with your consultant during the application process.

Can I apply for multiple loan products simultaneously?

Yes, you can apply for multiple loan products, but it's essential to carefully assess your financial needs and consult with our team to determine the best approach for your situation.

What should I include in my loan application?

For a smooth application process, ensure you provide accurate business and personal tax returns, a detailed business plan, and information about your credit history. Our team can guide you through the required documentation.

How do I get started with the loan application process?

To start, please visit our contact page and complete the form with your details. Our experienced team will reach out to you to discuss your needs and guide you through the application process.

Business Loans | Commercial Lending USA

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.

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LONG-TERM BUSINESS LOAN