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Small and Medium Enterprises (SMEs) are the backbone of our economy, yet they encounter significant financial hurdles that can impede growth and sustainability. Below are some of the key financial challenges SMEs face in today’s dynamic business environment
  • Difficulty Qualifying for Business Loans: Many SMEs struggle to secure traditional bank loans due to stringent eligibility criteria, such as high credit score requirements, substantial collateral, or a proven track record of revenue, which newer or smaller businesses often lack.
  • Personal Creditworthiness Issues: Lenders frequently assess the personal credit history of SME owners, especially for startups or sole proprietorships. Poor personal credit can lead to loan rejections or unfavorable terms.
  • Lack of Established Business Credit: SMEs, particularly new ones, often have limited or no business credit history, making it challenging to access financing or negotiate favorable terms with suppliers and creditors.
  • Cash Flow Management Struggles: Irregular cash flow, driven by delayed customer payments or seasonal demand, can make it difficult for SMEs to cover operational expenses, invest in growth, or manage debt repayments.
  • Managing Rising Operational Costs: Inflation, increasing supplier costs, and fluctuating raw material prices can strain SME budgets, leaving little room for strategic investments.
Our network of over 200 partnered lenders provides tailored financing solutions with more than 500 funding products, designed to support SMEs, including startups, business owners, real estate professionals, and self-employed individuals, across every industry.  
  • Business loans, business LOCs available from banks, credit unions, and online lenders
  • Funds can be used for nearly any business purpose
  • Offers fixed or variable interest rates
  • May include additional fees
  • Borrow up to $10 million
  • Repayment terms range from a few days to 25 years
  • Interest rates start at 5%

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Frequently Asked Questions

We’ve funded businesses from all industries.
What are typical interest rates?
Business loan interest rates start at 5%, but your actual rate depends on the loan type, your credit and financial profile, your business type, and the amount borrowed.  Unlike consumer loans, business loans are customized to fit your specific business needs, making each loan unique.
Business loans up to $10 million are available, with the amount you can borrow determined by factors specific to you and your business.  The loan structure, such as a term loan or merchant cash advance, will also influence the borrowing amount.

Our Loan Marketplace connects you with 200+ premier North American lenders who offer:

Unsecured Business Loans up to $5 Million 
Secured Business Loans, LOCs up to $10 Million

Examples are the following:
Business Term Loans
Business Advance and LOCs based on Cash Flows
Account Receivable LOCs and Inventory LOCs
2nd Lien Subordinate Debt

Equipment Financing Purchase/Lease
Construction Finance  
Commercial Mortgage
Equity Loans
Bridge Loans
Acquisition Finance

SBA Loans
Startup Loans
Invoice Factoring
Invoice Finance

Deciding whether a business loan is right for your SME requires careful consideration.
Here are key points to guide your decision:

Evaluate Your Funding Options: If your business needs additional capital, you have four primary options: seek external investment, use personal savings or borrow from family/friends, apply for a business grant, or take out a business loan.

Consider Loan Suitability: If external investment or personal funds aren’t viable, and grants take too long, a business loan may be the most practical choice.

Assess Repayment Ability: Ensure your cash flow can support loan repayments to avoid financial strain. Never borrow if repayment seems challenging.

Define the Loan’s Purpose: Ask yourself, “What will this loan do for my business?” A loan is likely beneficial if you have a clear, positive use for the funds, such as growth or operational improvements.

Avoid Borrowing in Distress: If your business is struggling financially, a loan may worsen the situation. Explore alternatives like cost-cutting or finding a business partner before borrowing.

Careful planning and a clear purpose for the funds are essential to ensure a business loan supports your SME’s success, especially for startups or businesses with short operational histories facing financial challenges.

Business loan terms and conditions vary widely, making it crucial to compare offers from multiple sources to secure the best deal.

You can research banks, credit unions, and online lenders individually, which may take days, weeks, or months, or opt for a loan marketplace for faster access to diverse financing options.

Loan marketplaces connect you with multiple lenders quickly and may offer guidance and application support, which is particularly valuable for first-time borrowers, such as startups or SMEs with limited financial experience.

Lenders evaluate multiple factors before approving a business loan, especially for SMEs and startups. 

Key considerations include:

Personal and Business Credit Scores: Higher scores can increase borrowing capacity and secure lower interest rates and fees.

Length of Time in Business: A minimum of 6 months is often required, but longer operational history, ideally 2+ years, improves approval odds.

Business Performance: Metrics like profitability, cash flow, loan-to-income ratio, and balance sheet strength are critical to assess financial health.

Industry and Business Type: Certain industries are deemed riskier, impacting loan eligibility and terms.

Customer Base: For B2B SMEs, lenders assess the reliability of your customers, particularly their payment timeliness.

Additional Factors: Issues like unresolved legal matters, unpaid taxes, or expired permits can hinder loan approval.

Loan Products
Info
Contact

Tel: 469-466-1211

3824 Cedar Springs Rd #801-1811
Dallas, TX 75219, USA

Tel: 780-328-3337

30 Ave Avro,
Pointe Claire,
QC H9R 5W5, Canada

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