Business financing we arrange
- Working capital term loans for growth, hiring and marketing
- Business lines of credit to smooth seasonal cash flow
- Equipment financing where the equipment secures the loan
- Business acquisition loans, often through SBA 7(a)
- Debt refinancing to replace expensive short-term loans with longer terms
What lenders look at
Time in business, revenue trend, profitability, existing debt and the owners' credit. Banks and SBA lenders offer the best pricing but want clean financials. Alternative lenders move faster and accept more risk at a higher cost. We'll tell you where your business fits and steer you away from loans that cost more than they should.
What to have ready
- Two years of business tax returns and year-to-date financials
- Three to six months of business bank statements
- A debt schedule listing current loans
- Owner personal financial statements
- For equipment: the quote or invoice
Terms shown are typical market ranges across our lender network, not a commitment. Your actual terms come in writing after we review your deal.
Recent closings
Solved: A tenant bought the building he leased, despite trouble documenting all of his sales income.
Frequently asked questions
Can a startup get a business loan through OCC Lending?
Our best fit is businesses with two or more years of operating history. Startups buying real estate or an existing business may qualify through SBA programs.
Will applying hurt my credit?
We start with a conversation and your financials. A lender will pull credit once you choose to move forward with a specific offer.
Do you arrange merchant cash advances?
We focus on term loans, lines of credit, equipment and SBA financing, which usually cost far less. If you already have expensive advances, ask us about refinancing them.
Can I get a loan secured by my commercial property for business needs?
Yes. A cash-out refinance on owned real estate is often the lowest-cost way to raise business capital.