We work with businesses across various industries, including retail, e-commerce, restaurants, manufacturing, construction, medical, transportation, technology, professional services, and many more.

We offer a comprehensive range of financial services, including working capital, equipment financing, SBA loans, and business lines of credit, commercial real estate loans, tailored to your unique business needs.

To qualify for a business line of credit, you'll need to meet certain criteria set by the lender. These typically include having a good credit score, a history of timely payments, and a demonstrated ability to repay the loan. Our financial experts will guide you through the application process and help you find the most suitable line of credit for your business.

SBA loans are government-backed loans provided by participating lenders with the Small Business Administration partially guaranteeing the loan. This reduces the risk for lenders, making it easier for small businesses to access financing with favorable terms and rates. Traditional loans, on the other hand, are provided directly by banks and other financial institutions without government backing.

Equipment financing can be used to purchase, upgrade, or lease equipment needed for your business operations. This may include machinery, vehicles, technology, and other essential tools. Our customized equipment financing solutions offer competitive rates and flexible repayment terms to help you acquire the equipment you need while preserving your working capital.

To get started with US Business Funding, simply contact us to discuss your financing needs. Our team of financial experts will guide you through the application process, help you prepare the necessary documentation, and find the most suitable financing options tailored to your unique business requirements.

Yes, our team of financial experts will help you understand the SBA loan eligibility criteria, requirements, and potential loan value for your business. We'll guide you through the application process, ensuring you maximize your chances of approval while staying compliant with regulations.

At US Business Funding, our Commercial Real Estate Loan process is designed to be straightforward and efficient. First, we'll discuss your property goals and financial situation. Then, we'll guide you through the application process, including the collection of necessary documents such as property details and financial records. Our team evaluates your application with a focus on providing competitive rates and flexible terms that align with your specific needs. Once approved, we'll work with you to finalize the loan and support you through the purchase or refinancing of your commercial property.

1. Can startups apply?
   Typically, SBA loans are better suited for businesses operating for at least 2 years. Some programs may accept newer businesses with strong financials and a solid business plan.
   

2. How long does the approval process take?
   The full process from application to funding usually takes 2 to 6 weeks, depending on documentation and loan type.
   

3. Is collateral required?
   For larger loans, yes. SBA loans often require business or personal collateral, but exact requirements vary by lender.
   

4. Can I refinance existing debt?
   Yes, many SBA loan programs allow debt refinancing under specific terms, especially if it improves your cash flow.
   

5. Are SBA loans personally guaranteed?
   Yes, business owners with 20%+ ownership are typically required to sign a personal guarantee.
   

6. Can I use SBA loans to buy a franchise?
   Absolutely. Many franchise purchases are funded with SBA loans, especially under the SBA 7(a) program.
   

7. What documentation do I need?
   Common documents include personal and business tax returns, financial statements, a business plan, and bank statements.
   

8. Are SBA loans available for nonprofits?
   No. SBA loans are only available to for-profit businesses operating in the U.S.
   

9. Do I need to be in business for a certain amount of time?
   Generally, at least 2 years of operating history is preferred, though newer businesses may be considered under certain programs.

1. Can I finance used equipment?
   Yes, we can help you finance eq from private seller s, dealers and auctions
   

2. Do I need a down payment?
   Not always. Some lenders offer 100% financing, but a small down payment may improve approval chances.
   

3. Does the equipment serve as collateral?
   Yes, the financed equipment typically secures the loan, meaning you may not need to pledge additional assets.
   

4. Is a personal guarantee required?
   In most cases, yes especially for small businesses or sole proprietors but we have options for corporate loans only.

5. What’s the difference between leasing and financing?
   Leasing gives temporary use (often with an option to buy); financing leads to ownership over time.
   

6. Is there a minimum or maximum equipment age allowed?
   Yes. Each lender sets limits, but newer equipment is generally preferred for longer terms.
   

7. Can I bundle multiple pieces of equipment into one loan?
   Yes, as long as all items are listed in the vendor invoice or quote.
   

8. Can I upgrade equipment during the loan term?
   In some cases, yes particularly if you refinance or restructure the loan.
   

9. Do I need to provide vendor information upfront?
   Yes. A quote or invoice from your vendor is typically needed to approve and fund the loan.

1. Do I need collateral?
   No, most working capital loans are unsecured, meaning no collateral is required.

2. Can I renew the loan if needed?
   Yes. Many short-term loans can be renewed or refinanced upon repayment history and business performance.

3. Will this affect my credit?
   Yes, lenders may check your personal and business credit during the application process. Responsible repayment may also improve your score.

4. Are there early payment penalties?
   Some lenders offer early payment discounts, while others charge fees terms vary by provider.

5. Can I use funds for marketing or hiring?
   Absolutely. Working capital loans can be used for almost any day-to-day business expense.

6. Is a personal guarantee required?
   Often yes, especially for unsecured loans, though requirements vary by lender.

7. Can I qualify with bad credit?
   Yes, some lenders work with lower credit profiles, especially if your business has strong cash flow.

8. How soon do repayments start?
   Typically, within 1 to 4 weeks of funding, depending on the lender.

9. Is there a prepayment discount?
   Some lenders offer discounts for early repayment, always check the loan agreement.

1. Can I finance a property I plan to occupy?
   Yes. Many programs are designed for owner-occupied commercial properties. (some times 100% financing available) 

2. Do you offer refinancing for existing CRE loans?
   Yes. You can refinance an existing mortgage to lower your rate, access equity, or extend your terms.

3. Are construction or renovation projects covered?
   Yes, under certain loan types like SBA 504 or bridge loans.

4. Is a down payment required?
   Generally, yes. Down payments typically range from 10% to 30% depending on loan type.

5. Can I finance investment property?
   Yes, some lenders offer loans for income-producing or investment properties.
   

6. What documents are needed for approval?
   Common requirements include business tax returns, personal financial statements, property details, and leases (if applicable).

7. How long should my business be operating?
   Lenders prefer at least 2 years, but some will consider newer businesses with strong financials.

8. Can I use funds to purchase land?
   Yes, if the land is zoned for commercial use and part of a business development plan.

9. Is interest-only an option?
   Yes, especially in bridge loan scenarios or during the construction phase.