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Here’s How it Works – Simplified

We make the loan process simple and straightforward, guiding you every step so you can focus on growing your business.

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Apply for the Right Loan

Whether you’re looking for micro-loans, small business loans, or commercial real estate financing, we have the right solutions to help you grow.

01

Micro
Loans

Fast, flexible funding for daily operations, equipment, or debt refinancing.

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04

Contract Financing Loans

Funding to complete secured contracts and keep your projects on track.

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02

Small Business Loans

Tailored financing to support your small business’s growth.

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05

Commercial Real Estate Loans

Flexible financing to help your business secure the space it needs to grow.

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03

Emerging Entrepreneur Loans

Financing designed to help underserved businesses grow with support for assets, working capital, and real estate.

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Get Loan Ready - Increase Your Chances of Approval

1

12+ Months of Operation

Business must be in operations a minimum of 12 months.

2

Check Financials

Update your statements.

3

Know Credit Score

Personal and business.

4

Gather Documents

Taxes, licenses, permits.

5

Prepare Cash Flow

Track income and expenses.

6

Meet Our Team

Discuss loan options.

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Walk Through
Your Loan with Ease

Apply with confidence, guided by our experts every step of the way. We’re here to support your journey through the process.

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STEP 1

Ask Your Questions

Connect with one of our community lenders. If we can’t assist, we’ll connect you with our partners or share helpful resources.

STEP 2

Apply for
a Loan

Have your revenue and expenses ready. Using numbers from your tax returns can make it easier.

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Signing Documents

STEP 3

Finalize
Your Loan

Review terms and sign paperwork.

STEP 4

Receive
Ongoing Support

Access financial guidance and business advisory services to keep your growth on track.

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Get Started with your Business Loan Today

Ready to take the next step in securing the funds you need? Our team is here to help. Apply today and get on the path to securing the capital to grow your business.

  • How long does the loan application process take?
    Up to 45 business days for loan approval and up to 60 business days to close and fund your loan. (Please note that this timeframe is subject to change and may vary depending on the type of loan request and how quickly we receive all of the required information and documentation.)
  • What information do I need to submit my application?
    Documentation required to process your application include but may not be limited to: BUSINESS & PERSONAL NAME AND CONTACT INFORMATION BUSINESS INCOME STATEMENT AND BALANCE SHEETS (3 YEARS) INTERIM BUSINESS INCOME STATEMENT AND BALANCE SHEET (90 DAYS OR NEWER) CASH FLOW PROJECTIONS 2 YEAR PRO-FORMA (PROJECTIONS) BUSINESS TAX RETURNS (3 YEARS) PERSONAL TAX RETURNS & W-2’S (3 YEARS) 60 DAYS COMPLETE BUSINESS/PERSONAL BANK STATEMENTS PERSONAL FINANCIAL STATEMENT BUSINESS DEBT SCHEDULE DETAILED DESCRIPTION OF BUSINESS ASSETS WITH ESTIMATED VALUES PURPOSE OF THE LOAN ESTIMATED PROJECT COSTS-USE OF PROCEEDS SCHEDULE OF COLLATERAL BUSINESS PLAN, REQUIRED FOR ALL START-UPS (NEW BUSINESSES) BUSINESS EXECUTIVE SUMMARY (EXISTING BUSINESSES} RESUME COPY OF SOCIAL SECURITY CARD COPY OF STATE ISSUED ID/DRIVER’S LICENSE
  • What interest rate should I expect on my loan?
    Interest rates vary depending on each loan and the associated risk.
  • What loan terms do you offer?
    12-72 Months; with a Maximum Amortization of up to 30 Years for Commercial Real Estate Purchase.
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