Loan Programs Tailored to Your Business
From real estate financing to SBA-backed growth capital and unsecured business lines of credit — we have a funding solution for every stage of your business journey.
No Upfront Fees
We only get paid when you do
Fast Pre-Approval
Decisions in 24–48 hours
Multiple Lenders
More options, better rates
Real Estate Loans for Investors & Owners
Whether you're acquiring commercial property, flipping residential investments, or need bridge financing between deals — we connect you with the right real estate loan structure for your goals and timeline.
- Commercial real estate loans up to 70% LTV with 30-year amortization — no DSCR required
- Ideal refinance solution for borrowers exiting hard money or interest-only bridge loans
- Reduce your monthly payment, pay down principal, and free up cash flow
- Hard money loans for fast closings and fix-and-flip projects
- Bridge loans to cover gaps between purchase and long-term financing
- Competitive rates with flexible terms from our lender network
⭐ Featured: CRE Refi Loan
- Up to 70% LTV
- 30-year amortization
- No DSCR required
- Exit hard money & bridge loans
Hard Money Loans
- Close in 7–14 days
- Asset-based underwriting
- Fix & flip programs
- Bridge financing available
Who Qualifies
- Experienced investors
- First-time buyers
- LLCs & corporations
- Foreign nationals (select programs)
Loan Amounts
- $100K–$10M+
- Commercial & investment
- Interest-only options
- No prepayment on select loans
Commercial Real Estate Refinance
Up to 70% LTV · 30-Year Amortization · No DSCR Required
Stuck in a hard money or interest-only bridge loan? Our CRE refinance program lets you convert into a fully amortized 30-year loan — lowering your monthly payment, reducing your debt balance, and freeing up cash flow. No Debt Service Coverage Ratio (DSCR) required, making it accessible even when income documentation is limited.
- Lower monthly payments vs. hard money or bridge loans
- Build equity by paying down principal every month
- No DSCR — qualify based on asset value, not income ratios
- Ideal for stabilized commercial properties
Government-Backed SBA 7(a) Loans for Growth
The SBA 7(a) is the most versatile and widely used government-backed loan program available — offering up to $5M for working capital, equipment, acquisitions, and more. Credit Line Capital specializes in SBA 7(a) placements and guides you through every step, from pre-qualification to funding.
- SBA 7(a) loans up to $5M — working capital, equipment, acquisitions & debt refinancing
- Competitive fixed and variable rates backed by the U.S. Small Business Administration
- Low down payments — as little as 10% in many cases
- Repayment terms up to 25 years to keep monthly payments manageable
- Expert SBA 7(a) guidance from pre-qualification through closing
⭐ SBA 7(a) — Our Primary Program
- Working capital & business expansion
- Equipment & inventory financing
- Business acquisitions
- Debt consolidation & refinancing
SBA 7(a) Loan Uses
- Start or grow a business
- Purchase or renovate real estate
- Buy out a partner
- Export financing
SBA 504 Loans
- Commercial real estate purchases
- Major equipment acquisitions
- Fixed below-market rates
- Up to 25-year terms
Eligibility & Our Process
- 2+ years in business preferred
- For-profit U.S. business
- Good personal credit required
- Free pre-qual → lender match → closing
Business Capital Without Collateral
Not every business has assets to pledge as collateral — and that shouldn't stop you from accessing capital. Our unsecured business funding programs are designed for startups and established businesses that need flexible working capital fast.
- Unsecured business lines of credit — no collateral required
- Startup-friendly programs available for businesses under 2 years old
- Fast approvals — many clients funded within 5–10 business days
- Use funds for any business purpose: inventory, marketing, payroll, and more
- Revolving credit lines let you draw and repay as needed
Business Lines of Credit
- Revolving access to funds
- Pay interest only on drawn amount
- Rebuild and grow credit limit
- No collateral required
Startup Programs
- Available from day 1
- Based on personal credit profile
- Multiple lender options
- Stacking strategies available
Who Qualifies
- 700+ personal credit score
- Any business stage
- US-based businesses
- Sole props, LLCs, corps
Use of Funds
- Working capital
- Marketing & advertising
- Inventory & equipment
- Hiring & payroll
Not Sure Which Program Is Right for You?
Our funding specialists will review your goals and recommend the best loan program for your situation — at no cost and with no obligation.