Financing Solutions Tailored for Your Business
Find the perfect funding option from our comprehensive suite of services
Small Business Loans
Looking to fund your business growth? Small business loans are financing options specifically designed for small businesses—whether you're established or just getting started. From working capital to expansion, there's likely a loan type that fits your needs.
Types of Small Business Loans
Multiple loan structures are available to match different business situations:
Term Loan
A traditional bank-style loan where you receive funding upfront and repay the principal plus interest over a set period. Great for predictable, long-term projects.
Equipment Financing
An excellent way for growing businesses to gain an edge. Get the equipment you need now and pay it off over the useful life of that equipment.
Accounts Receivable Financing
Have large amounts of outstanding invoices? You can borrow against them. The invoices act as collateral, often resulting in lower rates.
Merchant Cash Advance
Borrow against future credit card sales and repay a percentage of daily credit card transactions—so you never have to 'see' the payments.
Business Line of Credit
Works like a non-physical credit card. Get extended a line of credit and pay interest only on what you actually spend.
Typical Qualification Requirements
- ✓
3+ months in operation
- ✓
$5,000+ in monthly gross sales ($60,000 annually)
- ✓
No minimum FICO score for many options
Equipment Financing
Need machinery, vehicles, or technology for your business? Equipment financing helps you acquire what you need while preserving your working capital. Instead of paying everything upfront, spread the cost over time while immediately benefiting from the equipment's use.
Lease vs. Loan: What's the Difference?
Equipment Lease Financing
Rent equipment from a lessor for a specified period with monthly payments. At the end of the term, you typically have options:
- •Buyout: Purchase the equipment for a predetermined price
- •Return: Give back the equipment if no longer needed
- •Upgrade: Trade up to newer equipment
Leasing offers flexibility and lower initial costs, but may be more expensive long-term if you continuously lease without eventual ownership.
Equipment Loans
Borrow money specifically to purchase equipment. Here's how it works:
- 1.Borrow funds to cover the equipment cost
- 2.Purchase the equipment outright
- 3.Repay the loan over a fixed period with monthly payments
- 4.Own the equipment once fully repaid
This preserves working capital while letting you spread costs over time and benefit from immediate equipment use.
Heavy Equipment Financing
Specialized financing for large machinery requiring training or licensing—forklifts, cranes, bulldozers, and other industrial equipment. The process mirrors standard equipment financing but is tailored for higher-value machinery.
Key Benefits of Equipment Financing
- ✓
Preserve Capital
Keep cash reserves available for other business needs instead of tying them up in equipment purchases.
- ✓
Tax Advantages
Equipment financing may offer tax benefits like depreciation deductions (consult your tax advisor).
- ✓
Flexible Terms
Choose terms that match your cash flow and budget.
- ✓
Immediate Ownership
With loans, you own the equipment from day one.
SBA Loans
An SBA Loan is a government-backed financial product designed to help small businesses start or expand. Unlike conventional loans, SBA Loans are partially guaranteed by the U.S. Small Business Administration, reducing lender risk and making it easier for small businesses to obtain financing.
Key Features
- →
Government Backed
Reduces risk for lenders through a government guarantee.
- →
Versatile Use
Can be used for starting, expanding, or maintaining a business.
- →
Eligibility Requirements
Must meet specific criteria including size standards, ability to repay, and a solid business purpose.
How to Apply for an SBA Loan
1. Check your eligibility against SBA requirements
2. Choose the SBA loan program that aligns with your needs
3. Research SBA-approved lenders offering your chosen program
4. Prepare necessary documentation (financials, business plan, personal info)
General SBA Loan Requirements
- ✓
Good to excellent personal credit score
- ✓
For-profit business status
- ✓
No previous delinquencies on government loans
- ✓
Typically 3+ years in operation
- ✓
Must qualify as a 'Small Business' per SBA size standards
If you're uncertain about eligibility, a trusted lending partner can provide guidance.
Asset-Based Loans
An asset-based loan is financing secured by collateral that your business owns. If you have valuable assets, you can leverage them to access funding—even if your credit history isn't perfect.
What Can Be Used as Collateral?
Real Estate
Commercial or investment property owned by the business.
Accounts Receivable
Outstanding invoices or payments due from customers.
Equipment
Machinery, vehicles, or tools used in business operations.
Other Assets
Inventory, intellectual property, or other valuable business assets.
How It Works
If the borrower defaults on the loan, the lender has the right to claim the collateral to recover the outstanding debt. This reduces the lender's risk and can make it easier for businesses to obtain financing, even with lower credit scores.
Can You Get a Loan Without Collateral?
Yes! Unsecured financing options include:
- •
Term loans with fixed terms and payments
- •
Lines of credit for flexible borrowing
- •
Merchant cash advances based on future credit card sales
- •
Equipment financing without additional collateral
What You Need to Qualify
- ✓
3+ months in business (some options available with as little as 3 months)
- ✓
$5,000+ monthly gross sales (or $60,000 annually)
- ✓
No minimum FICO score for many financing options
Business Line of Credit
A business line of credit is a flexible financing option offering the ability to draw funds as needed rather than receiving a lump sum upfront. Perfect for managing cash flow, purchasing inventory, addressing unexpected expenses, and seizing new opportunities.
Key Benefits
- ✓
Flexibility
Access funds as needed rather than in a fixed amount.
- ✓
Cash Flow Management
Smooth out cash-flow gaps and finance immediate needs.
- ✓
Scalability
Support business growth by funding new opportunities or managing expenses.
How It Works
Access funds up to the limit set by the lender
Repay the drawn amount—credit becomes available again for future use
Interest charges only on the amount used (not the full line)
Repayment schedules vary (typically weekly or monthly)
What to Look For
- →
Fast processing from application to funding
- →
Diverse lending options to meet different needs
- →
Revolving credit that's accessible as you repay
- →
Continuous availability for cash flow and emergencies
- →
Competitive rates aligned with your business needs
Commercial Real Estate
Commercial real estate (CRE) involves properties used for business purposes—from office buildings and retail spaces to industrial facilities and multifamily apartments. Whether you're expanding operations, securing a prime location, or investing in income-generating properties, CRE offers diverse opportunities.
Key Features of Our CRE Financing
Simple application with offers matched within one day
All credit types considered
Up to $100 million in funding available
Terms up to 30 years for flexible long-term financing
Types of Commercial Real Estate
Office Space
Single offices to large multi-tenant buildings serving various business needs.
Retail
Storefronts, shopping centers, and restaurants designed for customer interaction.
Industrial
Warehousing, manufacturing, and distribution centers.
Multifamily
Apartment buildings or residential complexes offering rental income opportunities.
Land
Undeveloped land for potential construction or investment.
Requirements for CRE Transactions
Financial Strength
- •
Credit scores impact eligibility and terms
- •
Business financials: income statements, balance sheets, cash flow projections
- •
Down payment or deposit typically required
Property Documentation
- •
Independent appraisal of market value
- •
Environmental reports to identify potential contamination
- •
Title search to ensure clear ownership
- •
Zoning and permitting verification
Start-Up Financing
Securing a startup business loan to fund a new business is possible, even if you're new to the business world. While traditional banks often have stringent requirements, alternative lenders like Asenta Capital offer options tailored for startups.
Understanding the Landscape
Traditional Banks: Banks generally require longer business history and proof of income, making them less accessible for new startups.
Alternative Lenders: Asenta Capital offers specialized startup business loans with flexible options and higher approval amounts.
Requirements for Startup Loans
General Requirements
- •
Business operational for at least 6 months
- •
Minimum $15,000 in monthly gross revenue
With Asenta Capital
- ✓
Minimum credit score of 650+
- ✓
Some loans may not require long business histories
- ✓
Focus on creditworthiness over extensive operating history
How to Apply
1. Complete the simple online application
2. Consult with your dedicated Business Financing Advisor
3. Review tailored financing options within hours
4. Receive flexible terms and competitive offers
Flip N Flip Loans
FEATUREDRates Starting at 8.99%
Our featured program for real estate investors looking to purchase and renovate properties quickly. Whether you're flipping houses or building a rental portfolio, we offer competitive rates and flexible terms.
Program Highlights
80-100% Purchase Funding
Minimal cash required upfront—leverage your deals effectively.
100% Rehab Funding
Cover all renovation costs without dipping into reserves.
Up to 65% LTV
Based on After Repair Value (ARV), not just purchase price.
Up to 70% LTV Considered
On a case-by-case basis for strong deals.
Program Requirements
- ✓
Minimum FICO score of 650
- ✓
3 months of most recent bank statements
- ✓
No tax returns required
- ✓
Rehab budget limited to 100% of purchase price
- ✓
Certain adverse background history considered