REAL ESTATE INVESTOR FINANCING

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    Business Funding

    Business & SBA Financing

    Operating-business and SBA-backed capital for investors and operators who need larger or longer-term business financing than the standard capital stack provides — term loans, working capital, standard and larger business lines, equipment and invoice financing, personal unsecured loans, and SBA 7(a), 504, Express, and Microloan structures.

    Choose Your Business & SBA Financing Program

    Each program has its own dedicated page with the complete specifications. Select the structure that fits what matters most for your deal.

    Business Capital

    Business Term Loan

    Best for established operating businesses that need lump-sum capital with a predictable payment.

    Amount
    Set by Lender
    FICO
    600+
    Revenue
    $8K+/mo
    Monthly Payment
    Fixed
    Funding
    Lump Sum
    & Working Capital
    Expansion
    Short-Term Business Capital

    Working Capital Loan

    Best for short-term business operating needs where speed matters more than long-term cost.

    Maximum
    Up to ~$150K
    FICO
    500+
    Revenue
    $15K+/mo
    Options Available
    Same-Day
    Operating Capital
    Short-Term
    Cost of Capital
    Not Long-Term
    Higher-Tier Revolving

    Larger Business Line of Credit

    Best for established businesses that have outgrown the standard $50K–$250K revolving facility.

    Maximum Line
    Up to ~$5M
    FICO
    680+
    Revenue
    $20K+/mo
    Structure
    Revolving
    Business
    Established
    Facility
    Higher-Tier
    SBA

    SBA 7(a)

    Most flexible general-purpose SBA structure.

    Maximum
    Up to ~$5M
    FICO
    650+
    Revenue
    $8K+/mo
    Business Use
    Flexible
    Eligibility Applies
    SBA
    Than Conventional
    Slower
    SBA

    SBA 504

    Owner-occupied commercial real estate and major fixed assets.

    Maximum
    Up to ~$5.5M
    FICO
    680+
    Revenue
    $8K+/mo
    CRE / Fixed Assets
    Owner-Occ
    Capital Assets
    Long-Term
    Working Capital
    Not
    SBA

    SBA Express

    Faster SBA review path for smaller balances.

    Maximum
    Up to ~$500K
    FICO
    650+
    Revenue Bar
    Lower
    SBA Review
    Faster
    Underwriting
    SBA
    Lender Review
    Still Applies
    SBA

    SBA Microloan

    Startups, very small businesses, and newer operators.

    Maximum
    Up to ~$50K
    FICO
    575+
    Revenue Possible
    Minimal
    & Small Businesses
    Startups
    Operators
    Newer
    Capital Needs
    Smaller
    Asset-Backed

    Equipment Financing

    Best for businesses acquiring vehicles, machinery, or production assets where the equipment secures the financing.

    Cost / Value
    By Equipment
    FICO
    600+
    Revenue
    $15K+/mo
    As Collateral
    Equipment
    & Machinery
    Vehicles
    Structure
    Secured
    Receivable-Backed

    AR / Invoice Financing

    Best for B2B companies with unpaid invoices and receivable timing gaps.

    Funding
    % of Invoice
    FICO Minimum
    No Hard
    Customer
    Credit Quality
    Receivables
    B2B
    Gap Solution
    Timing
    Based
    Receivable
    Unsecured

    Personal Unsecured Loan

    Best for individual borrowers whose credit and income profile support an unsecured personal loan for an eligible purpose.

    Amount
    Varies
    FICO
    620+
    Credit / Income
    Personal
    Structure
    Unsecured
    Borrower
    Individual
    Permitted Purpose
    Use-Specific
    Cash-to-Close

    Unsecured Down-Payment Loan

    Best for borrowers covering an eligible cash-to-close shortfall where the primary lender permits the structure.

    Amount
    Varies
    FICO
    620+
    Shortfall
    Cash-to-Close
    Structure
    Unsecured
    Approval Required
    Primary Lender
    Source of Funds
    Not Automatic

    Not Sure Which One Fits?

    Submit your deal and Green Fire can evaluate both structures and identify the financing path that best supports your goal.

    Get Your Terms

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Ready to explore business & sba financing?

    Submit once. We'll review the transaction and identify potential financing paths.