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What Is a Small Business Loan?
A small business loan is a financial tool designed specifically to help small businesses access funding. These loans allow startups and existing businesses to borrow money from various lenders to support their operations, growth, or specific financial needs. The structure and terms of each loan depend on its type.
Here are some common types of small business loans:
- Term Loan – A traditional bank loan where you receive a lump sum and repay it over time with interest.
- Equipment Financing – Enables businesses to purchase equipment by receiving upfront funding and repaying it over the equipment's lifespan.
- Accounts Receivable (AR) Financing – Allows businesses to borrow against outstanding invoices, using them as collateral, often at lower interest rates.
- Merchant Cash Advance – Provides an advance on future credit card sales, with repayment automatically deducted as a percentage of daily transactions.
- Business Line of Credit – Functions like a credit card, offering a set credit limit where interest is only charged on the amount used.
Each type of loan serves different business needs, making it essential to choose the right one based on your financial situation and goals.
What Industries Do We Lend In?
We provide funding solutions for a wide range of industries, helping businesses grow and succeed. Some of the industries we lend to include:
- Retail – Brick-and-mortar stores, e-commerce businesses, and specialty shops.
- Restaurants & Food Services – Cafés, food trucks, catering businesses, and full-service restaurants.
- Construction & Contracting – General contractors, home builders, and specialty trades.
- Healthcare & Medical – Private practices, dental clinics, and medical suppliers.
- Transportation & Logistics – Trucking companies, delivery services, and freight operators.
- Manufacturing – Small-scale and large-scale production facilities.
- Hospitality & Tourism – Hotels, motels, travel agencies, and event planning services.
- Automotive – Auto repair shops, dealerships, and car rental businesses.
- Beauty & Wellness – Salons, spas, fitness centers, and wellness clinics.
- Technology & IT Services – Software development, cybersecurity firms, and tech startups.
- Professional Services – Law firms, accounting agencies, and consulting businesses.
- Agriculture & Farming – Crop farming, livestock operations, and agribusiness services.
If your industry isn’t listed, reach out to us! We’re committed to supporting a variety of businesses with tailored financing options.