Lender Portfolio
Programs grouped by collateral requirements. Non-collateralized first, then collateralized.
Non-Collateralized
Non-Collateralized Loans
Why Choose Non-Collateralized Loans?
- Unsecured, with no collateral required
- No restrictions on the usage of funds
- No early payoff penalties
- Funding typically within 7–15 business days
5–7 Year Term Loan Program
A non-collateralized loan with fixed APR and monthly payments.
Loan Details
- Funding Range: $50,000–$500,000 (deposited to your personal account)
- Terms: 5–7 years with fixed APR and monthly payments
Requirements
- Minimum 680 credit score across all three credit bureaus
- Proof of $50,000/year personal income for the last two years on personal tax returns
Business Credit Card Program
A non-collateralized revolving credit option with a 0% intro period.
Program Details
- Funding Range: $50,000–$150,000
- Interest: 0% for 6–12 months
- Reporting: Reports only to the business side
Requirements
- Minimum 700 personal credit score across all three credit bureaus
- Stated income program
Collateralized
Collateralized Loans
SBA 7(a) Loan Program
Loan Details
- Loan Size: Up to $5,000,000
- Use of Proceeds: Acquisition, working capital, equipment, refinance, partner buyout, owner-occupied RE
- Terms: Up to 10 years (WC/equipment); up to 25 years (real estate)
- Rates: Typically Prime + spread (variable)
Eligibility & Structure
- Collateral: Required when available; personal guarantee typically required
- Down Payment: Usually 10%+ for acquisitions
- Fees: SBA guaranty fee may apply
- Timing: Driven by documentation readiness
SBA 504 Loan Program
Loan Details
- Loan Size: Up to $5,500,000 (typical projects $500K–$20M)
- Use of Proceeds: CRE purchase, construction, heavy equipment
- Terms: 10, 20, or 25 years (fixed rate)
- Rates: Below-market, fixed
Eligibility & Structure
- Collateral: Project assets being financed
- Down Payment: Typically 10% (may vary)
- Structure: 50% bank + 40% SBA 504 (CDC) + 10% borrower
- Timing: Varies with project complexity