Loan Options for Small Business Owners

SBA and Bank Loans

Amount of Financing Available:
$5K - 5 Million

Typical Turnaround Time:
1-4 weeks

Required Personal Credit Score:
600+

Required Age of Business:
2 years+

Typical Use of Funds:
Working Capital, Expansion, and Real Estate

Relative Cost:
Lowest

Typical Time to Repay:
10 years

Collateral Needed?
Yes

Alternative Loans

Amount of Financing Available:
$2K - 500K

Typical Turnaround Time:
Less than 1 week

Required Personal Credit Score:
500+

Required Age of Business:
1 year +

Typical Use of Funds:
Working Capital and Expansion

Relative Cost:
Medium

Typical Time to Repay:
1 month - 5 years

Collateral Needed?
No

Equipment Loans and Leases

Amount of Financing Available:
$5K - 15 Million

Typical Turnaround Time:
1-2 weeks

Required Personal Credit Score:
500+

Required Age of Business:
Startups Ok

Typical Use of Funds:
Buying Equipment

Relative Cost:
Low

Typical Time to Repay:
1-7 years

Collateral Needed?
The equipment is the collateral

Invoice Financing

Amount of Financing Available:
$100K - 150K

Typical Turnaround Time:
1-3 business days

Required Personal Credit Score:
530+ (no credit check in some cases)

Required Age of Business:
Startups Ok

Typical Use of Funds:
Filing Cash Flow Gaps

Relative Cost:
Medium

Typical Time to Repay:
1 week-3 months

Collateral Needed?
No

Merchant Cash Advance

Amount of Financing Available:
$2K - 500K

Typical Turnaround Time:
3-5 business days

Required Personal Credit Score:
500+ (no credit check in some cases)

Required Age of Business:
Startups Ok

Typical Use of Funds:
Working Capital and Expansion

Relative Cost:
Highest

Typical Time to Repay:
4-12 months

Collateral Needed?
No

Use Retirement Money

Amount of Financing Available:
As much as you have in retirement account

Typical Turnaround Time:
3-4 weeks

Required Personal Credit Score:
Not applicable

Required Age of Business:
Startups Ok

Typical Use of Funds:
Starting a Business or Buying an Existing Business

Relative Cost:
Medium

Typical Time to Repay:
Not applicable

Collateral Needed?
Not applicable

Contact Us

3257 Folsom Blvd
Sacramento, CA 95816

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