Loan Programs
Business Financing Solutions
Business financing tailored to your business individuals needs
Merchant Cash Advance*
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Advance up to $500,000
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Funding as fast as 24 hours
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Easy, fast application
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Flexible payments based on receivables
Small Busniness Loans*
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Loans up to $1 million
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Funding as fast as 24 hours
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Loan Terms 3-60 months
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Automatic daily or weekly payments
Line of Credit*
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Funding starting at $5,000 to $250,000
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Terms up to 18 months
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Approved amount accessed anytime
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Weekly payments
Bridge Loans*
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Loan amount starting at $5,000 up to $1 million
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Terms up to 60 months
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Automatic payments
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Fast and easy application process
SBA Loans*
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Loans ranging from $500 to $5.5 million
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Terms up to 30 years
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Automatic monthly payments
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Partially backed by the goverment for business purposes
Invoice Factoring
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Advance starting at $20,000 up to $1 million
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Terms ranging up to 18 months
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Easy online application
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Turn pending invoices into immediate funds
Commercial Real Estate Loans*
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Easy Online Application
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Loans Starting at $75,000 up to $2 million
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Terms as low as 5 years up to 20 years
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Automatic monthly payments
Asset Based Loans*
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Based on company assets
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Terms starting at $50,000 up to $10 million
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Terms ranging from 6 months to 36 months
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Fixed daily, weekly or monthly payments
*Interest rate depends on the financial product selected and the applicant’s credit and financial profile
What is small business financing?
When a small business gets financing like a business loan, merchant cash advance, or line of credit that is only used for business purposes, this is called “business financing.” There are many reasons why a business might want to do something other than buy new inventory, equipment, or even pay off debt. Financing a business can also be used for anything that has to do with the business, like marketing, adding new locations, and general working capital.
Most businesses, no matter how big or small, depend on small business financing for a lot of their needs. We know how small businesses work, which is why our team created business financing products that make it easy and quick to meet their needs. So that small businesses can get the money they need as soon as possible, our loan products have a quick and easy application process, terms that are easy to understand, and flexible payment options. If your business has a lot of receivables, a lot of credit card sales, or is only open during certain times of the year, our merchant cash advance product might be a good fit for you. A line of credit could be the best way to get money for your business if you want it to have a safety net in the form of easy-to-get financing.
The first step is to fill out a short application so that we can learn more about your small business. If we’re a good fit for each other and your business is fully approved, our team will work quickly to get the money to you.
SBA loans
When it comes to small business financing, Vulcan Kapital is on your side. We’ve taken the long, complicated process of applying for an SBA loan and made it more manageable through our streamlined application process and dedicated team. Our experienced professionals are with you every step of the way as you complete our online application and build your financial story. And if an SBA loan isn’t the best option for you, we’ll help you find the right loan for your business from our network of trusted banks and non-bank lenders.
You might have heard SBA loans are the gold standard for small business owners who want to expand. It’s true. Funds from these loans can be used in a multitude of ways to help a small business. And as a result of the CARES Act, the SBA will pay 6 months of principal, interest, and any associated fees on any eligible SBA 7(a) loan disbursed prior to September 27, 2020.
What exactly is an SBA loan? We’ll go over the costs, qualifications, use of proceeds and more to help you determine if this type of loan is the best option to fund your small business.
What is an SBA loan?
An SBA loan is a government-guaranteed small business loan that has a long-term and a low-interest rate. The Small Business Administration (SBA) is the government agency that partially guarantees SBA loans and was founded in 1953 to support small business owners across the United States.
The most common misunderstanding about these loans is that the agency lends money directly to small businesses. However, the agency typically does not make direct loans. The SBA provides a guarantee on the loan, promising to reimburse the bank for a certain percentage of your loan if you default on that loan. This guarantee lowers the risks to banks and other lenders, encouraging them to offer these loans to more American small businesses. Many banks and other financial institutions offer SBA loans, but their process, requirements, and fees can vary.
What can you use your SBA loan for?
SBA 7(a) loans from $30,000 – $350,000 from banks in the Vulcan Kapital network can be used for debt refinancing and working capital. Working capital includes operational expenses, marketing, hiring, etc. SBA loans can be used to fund new equipment purchases as well.
SBA 7(a) loans can also be used for refinancing existing business debt not secured by real estate (such as cash advances, business loans, and equipment leases).
SBA Commercial Real Estate loans from $500,000 – $5 million from banks in the Vulcan Kapital network can be used for the purchase or refinance of commercial real estate that is 51% owner-occupied.
Commercial Loan
Purchase or refinance Commercial Real Estate with an SBA loan
With fully-amortizing 25-year terms and variable interest rates, SBA 7(a) loans offered from banks in the Vulcan Kapital Lending network are a great option for small businesses looking to refinance an existing commercial real estate mortgage or buy an office building or other owner-occupied commercial space.
How it works
- Pre-qualify for an SBA 7(a) Commercial Real Estate Loan
Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online and we’ll automatically tell you if you pre-qualify for an SBA commercial real estate loan from $500,000 to $5 million.
- Provide Financial Information
Tell us how you plan to use your funds and provide financial information about your business and its owners. Your Vulcan Kapital Lending Loans Relationship Manager is here to assist you at any point in the process.
- Accept Your Letter of Intent
You will receive a non-binding letter of intent (LOI) from a bank in the Vulcan Kapital Lending network outlining details of the SBA commercial real estate loan so you can negotiate terms with the property seller or your existing lender.
- Conduct Property Valuation
During the SBA commercial real estate application process, the property you’re interested in will be valued. Your dedicated Relationship Manager helps facilitate this step.
- Get Funded
Upload requested documents to complete your application. We’ll work with you through the loan closing process. Funds can be wired for closing in as fast as 30 days after credit approval.
What it costs
The SBA Commercial Real Estate Loans offered by the preferred SBA lending banks in the Vulcan Kapital Lending network feature low rates, long terms, and no balloon payments.
Bank Term Loan
When is a bank term loan the right financing for your business?
A Bank Term loan from lenders in the Vulcan Kapital network is a short-term, fixed-rate loan with stable monthly payments. These loans are a great fit when you need funds quickly and want to lock in your interest rate. The same streamlined process is used for term loans through banks in the Vulcan Kapital network.
Proceeds from a Bank term loan can be used in a variety of ways to meet your business goals. Funds can be used for working capital, debt refinance, new equipment purchase, and more. Additionally, paying off a Bank Term loan responsibly helps to build business credit.
One application does it
There’s only one easy application to complete, whether you are applying for an SBA loan or decide to proceed with a Bank Term loan option. And our team of professionals are available online or over the phone to help you understand and navigate your options.
Bank Term loans are term loans meant to be repaid in a shorter amount of time than the 10-year term of a typical SBA loan. This type of loan can be a great way to get the funds you need to successfully build or maintain your business until you are eligible for an SBA loan.
Customers who qualify for a term loan may have the option to reduce their term loan interest rate by 2% if they choose a prepayment penalty of 5% of the total outstanding balance.
Bank Term loans are offered through the banks in the Vulcan Kapital network for working capital, debt refinance, new equipment purchase, and more.
Custom Financing
When a traditional loan isn’t a fit
Most small business needs can be met with traditional financing options like an SBA or Bank Term loan. Sometimes, though, a business needs more flexibility. Not only will we support you through the application process, but we can help you access other financing options through our marketplace with one of our trusted partners. We work with lenders and other financing partners in our network to offer other solutions to shore up cash flow and help you meet your business needs.
Our team helps you explore more financing solutions
You might want to explore other types of financing if your credit scores aren’t where they need to be, if you run a newer business, or if you don’t yet have the revenue required for an SBA or Bank Term loan.
Your dedicated team of Vulcan Kapital professionals will review your unique business needs and help recommend the right option.
You've got options
Here are a few of the funding options available for small business owners like you. Don’t see what you need? Just ask and we’ll work hard to find the right solution for your business. Have additional questions? Visit our FAQ
Business line of credit
only pay interest* on the amount of capital that you borrow from your credit line.
Invoice of financing
with invoice financing, you sell outstanding invoices to a lender who advances you a portion of the invoice amount.
Business credit cards
An unsecured credit card can provide the fast funds you need while helping to build your credit scores.
*An unsecured credit card can provide the fast funds you need while helping to build your credit scores.