Frequently Asked Questions:
(Business Financing)
SBA Financing
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SBA 7(a) loans go up to $5 million, but it really depends on what you're using it for, how your business cash flows, and how you’re set up on paper. We’ve helped clients lock in anywhere from $150K to $2M — the key is matching you with the right lender.
Not sure what you’re qualified for? We can set up a strategy call and get an idea.
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Nope — we start with a soft pull, so there’s zero impact to your score. A hard pull only happens once you’ve reviewed terms and want to move forward with a specific lender. You’ll always know ahead of time.
Curious if you’d qualify right now?
We can pre-screen your file and give you the heads up. -
Rates are typically Prime + a lender markup. Right now that’s putting most SBA 7(a) deals between 9–11% APR. We work with a handful of banks that can get you to the lower end of that range or even subprime — especially if your business looks good on paper.
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Yes — SBA 7(a) is perfect for that. We’ve helped clients use it to acquire existing businesses, purchase commercial property, even fund partner buyouts. It’s flexible - as long as you’re using it for a legit business purpose and can cash flow the loan.
Thinking about buying something but unsure how to finance it?
We’ll show you if SBA is even the right tool (sometimes it’s not). -
Not always. If you’re borrowing under $350K, most lenders won’t require any collateral. Over that, they may take a lien on business assets or real estate if it’s available — but the SBA won’t deny you just because you don’t have collateral.
Want us to break down what a lender would ask from you?
We’ll walk you through exactly what’s required and what isn’t. -
Short answer? Most banks move slow, don’t explain much, and you're stuck talking to a local branch manager who doesn’t actually push the deal forward. We work directly with senior underwriters, SBA VPs, and presidents of credit and lending divisions…people who can actually green light deals and move the needle.
We also handle the packaging, prep, and submissions, so your deal shows up clean and ready. That saves you time, avoids mistakes, and usually gets you better terms.
Not sure where to start or who to talk to? We’ll walk you through your SBA options and connect you directly with lenders who are actually funding files like yours.
Term Loans
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A term loan is a fixed amount of capital you borrow and pay back over a set period of time — usually 3 to 60 months. You’ll have consistent monthly payments, a clear interest rate, and a defined payoff date. It’s predictable, structured, and meant for businesses that want stability, not surprise costs.
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That depends on your revenue, time in business, and credit. We’ve helped clients secure as little as $25K and as much as $1M. If you’ve been in business at least 6 months with consistent revenue, we can usually find options, however, 2+ years is the preferred time.
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Most bank term loans we place fall in the 9–18% APR range, with terms between 12–60 months. If it’s higher than that, it’s probably a bank subsidy product. If it’s a factor bearing loan, it’s actually an MCA and not a real “loan”
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We keep it simple. Start with a credit application and a short intake form no hard inquiry on your credit. Once we’ve reviewed your file, we’ll match you with the lender that makes the most sense. If you like the terms, we’ll guide you through closing.
No games, no shotgun blasts to 20 lenders. We underwrite first, then place the deal cleanly.
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It depends on the lender and how clean your file is. Some approvals come within 24-48 hours. Especially if you’re going the no-doc or bank statement route. For full-doc term loans (especially bank-backed), expect 5–7 business days for underwriting and another few days to close.
Once approved, funds usually hit your account within 1–3 business days after signing.
Need capital fast?
We’ll let you know which options make sense for your current circumstance
Business Line of Credit
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Yes — some of our no-doc programs don’t require tax returns at all. If your credit and bank statements are solid, you can usually qualify for something. If you're looking for higher amounts or bank-backed lines, you'll eventually need docs — but we can guide you either way.
Not sure which option fits you?
We’ll break down both no-doc and full-doc programs so you know what’s real. -
Most programs start at a 640 FICO for lower-limit lines, but you’ll have better options (and better rates) if you're 680 or above. That said, we’ve gotten people approved even with a few blemishes.
Curious if you’d qualify right now?
Set up a strategy call and we’ll give you a straight answer on what’s possible. -
We’ve seen lines anywhere from $10K up to $500K+, depending on your revenue, credit, time in business, and what you’re using it for. If you’ve got solid bank statements and 640+ credit score, you’re likely in range.
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Most business lines are revolving, just like a credit card. You only pay interest on what you draw, and once you repay it, the funds become available again. Some products are weekly, some are monthly. We’ll help you find the one that fits your needs.
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It’s flexible, fast, and reusable, which makes it perfect for handling inventory gaps, payroll swings, vendor payments, or seasonal dips. You don’t need to take a lump sum all at once, and there’s no penalty for keeping it unused.
Want to keep capital on standby?
We’ll show you how to set up a line you can draw from when you need it. No pressure to use it right away + the best time to secure a line is when you don’t need it.
Business Credit
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It’s a strategy where we apply for multiple 0% interest business credit cards and unsecured lines at once with different banks. We use timing, structure, and insider sequencing. It’s designed to get you access to $50K–$200K+ without triggering tons of hard pulls or killing your personal credit. We place in you to manual underwriting instead of online instant approvals with lower limits.
Not sure if you’re a fit?
We’ll take a look at your credit profile and tell you if it makes sense. -
Not much… we’ve dialed in the order, timing, and lenders to keep inquiries minimal. Most clients only see 2–3 inquiries across 5–10 approvals. These are business lines, so they don’t report to your personal credit or affect utilization.
Worried about hurting your score?
We’ll walk you through how we protect your profile while stacking. -
You need solid personal credit. Think: 700+ FICO, no late payments in the last 24 months, no recent charge-offs, and decent limits on your existing cards with sub 30% utilization. Revenue isn’t required, but having an LLC or S-Corp is.
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Most clients land between $50K–$150K. If your credit is elite and your file is seasoned, we’ve seen stacks go to $250K+. We’re not just pulling from one lender, we’re going after a group of high-limit banks all at once.
Want to see what your stack could look like? We can show you what’s possible based on your current file, no obligation.
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Most stacks are completed in 7–14 business days once we have everything. We usually know by Day 3–5 where you're tracking, and funding hits fast after approval.
Need capital soon? We can let you know if credit stacking is the fastest path for you.
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You could and a lot of people try. The problem is, they usually apply in the wrong order, hit too many banks at once, and rack up inquiries that tank their approval odds. Then they come to us after the damage is done and it limits what we can pull together.
We've run this play thousands of times. We know which banks stack well, how to sequence applications, and how to get higher limits without triggering fraud flags. Most of our clients get more funding, faster, and with way less friction.
Already tried this and hit a wall?
We can still help, but if you haven’t pulled the trigger yet, let’s do it right the first time.
Frequently Asked Questions:
(Real Estate Financing)
Fix and Flip
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It’s short-term financing for real estate investors who are buying a property, fixing it up, and planning to sell it. These loans are based on the property’s after-repair value (ARV) — not just the purchase price — and can include both the acquisition and rehab budget.
Got a deal you’re looking at right now? Send it over, we’ll help you break down the numbers and see if it makes sense.
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We can usually fund up to 85–90% of the purchase price and 100% of the rehab costs — as long as the numbers make sense. Some lenders will go even higher if you’ve done a few deals. Your total leverage is usually capped at 65–75% of the ARV.
Want to know how much you could borrow on a property you’re eyeing? We’ll run a quick scenario and tell you what it would look like.
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Fix & flip loans typically come with 6–18 month terms, interest-only payments, and the option to extend if needed. Rates vary based on experience and the deal profile, but most fall between 9%–12% interest on short-term paper.
Need a longer term or lower rate?
We’ll match you with the right lender based on your goals and timeline. -
Rehab funds are held in escrow and released in stages as you hit milestones. After each phase, you submit a draw request — sometimes with photos or an inspector — and funds are released within 24–72 hours.
Need to understand the draw schedule before you start the project? We’ll walk you through how to structure it upfront.
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Not really — these loans are meant for quick resell projects. If you plan to hold the property, we’ll help you line up a DSCR loan or other long-term financing to refinance once the rehab is done.
Looking to make this a cash cow or hold the property after the flip? We’ll show you how to pair this with a long-term refinance.
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Fast, we’ve closed deals in as little as 5–7 days with clean title and a clear scope of work. Typical timelines are 10–14 days depending on whether it’s a purchase or a refi, and whether an appraisal is required.
Working with a tight closing timeline? We’ll tell you right away if we can hit it and what we need to do it.
New Construction
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We can finance ground-up builds for commercial real estate, residential investment properties (1–4 units), mixed-use developments, and more. Whether you’re building a rental, a spec home, or an owner-occupied office space — we’ve likely funded it before.
Have a project in mind?
Send it over and we’ll let you know if it fits and what’s possible.Got a deal you’re looking at right now? Send it over, we’ll help you break down the numbers and see if it makes sense.
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It depends on the type of property, total project cost, and your experience. We’ve funded everything from $150K duplex builds to multi-million dollar commercial developments.
In general:
Up to 85% Loan-to-Cost (LTC) for experienced builders
70%–75% of ARV is typical for residential investment projects
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Not always. Some lenders will fund both the land acquisition and construction in one loan — as long as the appraisal checks out and the deal pencils. If you already own the land, that equity can count toward your down payment.
Still hunting for land? Let us know — we’ll guide you on how to structure the offer with financing in mind.
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Construction loans don’t give you all the funds up front. Instead, funds are released in stages based on progress — usually after an inspection or photo verification. Draws typically hit within 1–3 business days of approval.
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Most new construction loans are 12–18 month interest-only terms with the option to extend. If you’re building to hold the property long term, we can line up a refinance option (DSCR, SBA, or bank) ahead of time so you’re not scrambling at the end.
Need a takeout plan? We’ll show you how to transition smoothly from construction to permanent financing.
DSCR
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A DSCR loan is a rental property loan where the approval is based on the income from the property, not your personal income. No W-2s, tax returns, or job history needed. Lenders just want to know the rent covers the mortgage.
It’s perfect for investors building a rental portfolio who don’t want to go the traditional route.
Own a property or have one under contract? We’ll run a quick DSCR calculation and tell you if it qualifies.
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It’s simple:
DSCR = Rent ÷ Monthly Loan PaymentSo if the property rents for $2,000 and the mortgage payment is $1,400, your DSCR is 1.43. Most lenders want to see 1.0 or higher, some allow exceptions for lower if the borrower is strong or the LTV is low.
Want help calculating DSCR on a deal you’re working on?
Send us the rent and estimated loan terms we’ll do the math for you.Want to know how much you could borrow on a property you’re eyeing? We’ll run a quick scenario and tell you what it would look like.
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Most DSCR lenders will go up to:
80–85% LTV on a purchase or rate/term refi
Up to 75% LTV on a cash-out refinance
We’ve helped clients close deals as low as $75K and as high as $3M+. It all comes down to the property, the rent, and the area.
Need to know what LTV you qualify for? We can show you what’s possible before you order an appraisal or go under contract.
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You’ll usually see:
30-year fixed
Interest-only options (typically 5 or 10 years)
ARMs for clients looking to exit or sell within 3–7 years
Rates float based on credit, experience, LTV, and market conditions, but most fall between 7–9.5% right now.
Want to compare fixed vs interest-only options? We’ll walk you through the structure and run the numbers.
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Yes, that’s one of the best uses for it. Once your rehab is done and the property is rented, we can refinance you into a DSCR loan and get you long-term financing with better terms.
Just wrapped a flip and ready to hold it? We’ll show you how to lock in a 30-year term and cash flow the property.
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Typical closings take 2–3 weeks once we have the appraisal and basic docs. Some lenders can go faster if the file is clean and the property’s already leased. Appraisal turn times are the biggest variable, so we help manage that early.
Trying to hit a deadline?
Let’s look at the timeline and see what’s possible based on your deal.
Commercial Purchases
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We help clients finance everything from owner-occupied office space to retail, industrial buildings, mixed-use properties, and investment rentals. Whether you’re buying, building, or refinancing — we’ll guide you to the best loan structure based on your goals.
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Here’s the quick breakdown:
SBA 504 = Low down payment (10%), long-term, fixed-rate real estate loan
SBA 7(a) = More flexible, can include working capital or real estate
Bank / Conventional = Great if you have strong financials and want no SBA involvement
Private / Bridge = Ideal for speed, flexible collateral, or light docs
We often compare all options for you and structure the deal around your timeline and strategy.
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Loan sizes range from $250K to $10M+, depending on the deal. SBA loans cap around $15M, while bank and private deals can stretch higher. You’ll typically need:
10%–20% down
Clean credit and documentation (unless it’s a bridge or private deal)
A clear plan for use of funds and property occupancy
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Here’s a rough range:
SBA 504: 10–25 years, fixed, ~3%–6% (CDC portion)
SBA 7(a): 10–25 years, variable, typically 9%–11%
Bank/Conventional: 5–20 years, ~7%–9% (case by case)
Bridge/Private: 6–24 months, interest-only, ~9%–12%+
Terms depend on the property type, loan size, borrower strength, and timeline.
Want to explore fixed vs interest-only or long-term vs short-term We’ll walk through the trade-offs so you can decide what fits.
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For SBA and most bank loans, yes — at least 51% of the space must be owner-occupied.
For private or DSCR-style loans, investment-only properties are fine. -
SBA and conventional bank loans usually take 45–60 days, depending on appraisal and title.
Private and bridge loans can close in 5–10 days for urgent deals.Need to close fast or have a delayed timeline? We’ll reverse-engineer the right lender based on your close date.