A Full Range of Flexible Small Business Loans

small-business-working-capitalLighthouse Commercial Capital offers Small Business Administration loans that can help most businesses fund equipment, business or real estate acquisitions. We provide highly flexible financing options, and since we are a Preferred Financial services company, we can promise extremely efficient processing of your small business loan application.

Commercial Real Estate Loans

You can build, buy, remodel or refinance various owner-occupied properties with this funding. These properties include restaurants, dealerships, repair shops, veterinary clinics, gas stations, hotels and motels.

Business Acquisition Loans

We may offer up to $1.25 million per year or 80 percent financing, depending on your leadership and cash flow. Our loans feature full amortization, 15-year terms and pre-qualification in 48 hours. We don’t charge prepayment penalties on these loans.

Equipment Financing

This financing can help you secure necessary business equipment. Eligible equipment includes manufacturing, medical, diagnostic, printing, binding, laundry and heavy equipment.

General Loans

Our general loans, which are disbursed through the SBA’s 7(a) and 504 programs, feature competitive rates and terms, including:

  • Maximum 90 percent financing
  • Terms up to 25 years
  • Full amortization
  • Fixed or variables rates

You may receive up to $5 million, and pre-qualification is free.

7(a) Program

Most for-profit, owner-occupied properties qualify for 7(a) loans, which may range from $200,000 to $5 million. Eligible properties include offices, manufacturers, childcare facilities, shops, start-ups and franchises. Size helps determine your eligibility. Qualifying manufacturers and service business must respectively employ fewer than 500 and 100 employees. Retailers can’t have annual sales exceeding $6 million.

The type of financing determines your terms. Generally, we offer between 80 and 100 percent financing with terms between 7 and 25 years. Fees are limited, and rates are market-based.

504 Program

504 loans can provide long-term financing worth 80 to 90 percent of your total project value. We fund projects worth up to $12 million. We provide a first mortgage of up to $3 million, and a Community Development Company supplies up to $5 million through a second mortgage.

First and second mortgage terms vary from 15 to 25 years, based on the financing. First mortgage rates are fixed or variable, and fees are market-based. Second mortgages have fixed rates and various fees, including closing, bridge and legal review costs.

Get Financed Today

Secure the financing that you need for your next commercial venture. Call Lighthouse Commercial Capital to get started a no-cost review of your financial needs and funding options.