Commercial Loan Broker for Small Businesses
One advisor. One matched lending desk. No hard credit pull to explore.
Your file is never sold or auctioned. No call-center calls. Applications, reviews and closings are handled remotely for businesses in all 50 states and across Canada.
Not ready to apply? Check your LoanabilityFIT anonymously · 60 sec, no contact info→The Anti-Aggregator Promise: No call-center spam. Your file is never sold or auctioned. One dedicated advisor, one matched desk at a time, encrypted in transit. Your document room is locked with an emailed code, and you can hand off uploads to your CPA in one click.
Brokerage desk vitals · 50 states & Canada
One application, one matched desk at a time
Prime lines & term loans
$10K – $500K · app-only to $250K
Fast working capital
$10K – $500K · credit-flexible
Equipment & titled rigs
$15K – $5M · low or no down payment options
Invoice factoring
$50K – $10M · advance rates vary by invoice quality
Debt restructure
$25K – $1M · relief on daily payments
Commercial real estate & DSCR
$250K – $50M · bridge & long-term
Canadian commercial
$25K – $1M+ CAD
Timing varies by file and lender. Many files move within days; real estate takes longer.
Any negative days in the last 90 days?
Customer deposits per month?
Self-check only. Not an offer or approval.
Full review →
BBB profile &Chamber member
Typical timelines once a complete file is received. Approval and terms are never guaranteed.
Eligibility at a glance
Most files qualify through at least one of these — not just a credit score.
- ✓ Revenue & cash flowAbout $15K+/month in business bank deposits and 6+ months operating.
- ✓ Unpaid B2B invoicesInvoices owed by commercial or government customers — their credit matters most.
- ✓ Equipment & vehiclesA dealer quote or invoice — the asset itself secures the financing.
- ✓ Rental property cash flowRent that covers the mortgage payment; personal income docs often not needed.
Applying with Trifecta Business Group has no hard credit pull to explore your options. If we match you with a lending partner and you choose to move forward with a specific offer, that partner will explain whether they use a soft or hard inquiry before any credit review happens — and only with your consent. Schedule a call →
Trifecta Translate-IQ™ · Bank Decline Translator
No decline letter yet? Run the full Translate-IQ™ diagnostic →
A bank “no” is a reason, not a verdict.
Paste the reason your bank gave you, or tap a common one. See it in plain English and which of our wholesale desks is built for that profile. No contact details needed.
Or pick a common one
No contact details needed. Common decline reasons are matched in the owner's browser; unusual wording is analyzed by AI and is never tied to a name or contact details.
Your translation appears here.
We'll explain what the bank's wording usually means, what other lenders look at instead, and which desk fits.
Live market benchmarks · October 2026
Commercial Rate & Lending Index
WSJ Prime
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SBA 7(a) cap
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Bank standards
Still tight
Small Business Capital Accessibility Index
Loading latest Federal Reserve reading…
See how interest rate shifts and regional bank decline rates affect your borrowing power — plus the five actions to take before you apply.
Why work with a commercial loan broker instead of a traditional bank?
A bank lends its own money under one set of guidelines. Trifecta Business Group is a commercial loan brokerage — we place your file with the lending partners whose programs actually fit it. Commercial and business purposes only.
How many lenders see your file?
Traditional bank
One. A bank can only offer its own credit box, so one internal guideline decides the answer — and if you fall outside it, the file stops there.
Trifecta Business Group
One advisor matches your commercial file to one lending desk at a time. Your file is never sold or auctioned.
What happens to your credit when you apply?
Traditional bank
Applying at several banks usually means several hard inquiries on your personal and business credit within the same few weeks.
Trifecta Business Group
No hard credit pull to review options. No lender runs any credit inquiry until you review a structure and decide to move forward.
What do they underwrite, and how fast?
Traditional bank
Tax returns, collateral and time in business, typically over 30 to 90 days, with a high decline rate for newer or cash-flow-driven businesses.
Trifecta Business Group
Bank deposits, receivables, card volume and equipment value alongside credit. Timing depends on the program and the lender. Approval is never guaranteed, and programs for weaker credit generally cost more.
One advisor, one desk at a time. Your file is never sold or auctioned.
From a small working-capital bridge to major expansion capital.
Approval, rates and timing depend on underwriting and are never guaranteed.
Basic intake takes about 3 minutes, plus upload separately.
We never auction your information.
- No lead selling Your inquiry is never sold or passed around to call centers.
- One dedicated advisor A Trifecta Business Group advisor reviews your file personally — no wave of sales calls.
- Thoughtful matching We share your file only with our lending partners that fit your needs, with your consent.
Commercial financing only. Approval and terms are not guaranteed.
Find your program by what you need the money to do
“I need cash this week”
Payroll is due, a client is paying late, or an opportunity showed up early. Revolving lines and working-capital term loans move fastest — often funded in as little as 24 hours after approval.
Business Line of Credit“I need to buy something that earns”
Equipment, trucks, medical gear, a building. The asset itself secures the deal, so approvals lean on the equipment value rather than your balance sheet alone.
Equipment Financing“My money is stuck in invoices or inventory”
Advance up to 90% of open invoices, fund confirmed purchase orders, or buy stock ahead of your season instead of waiting 30, 60 or 90 days to get paid.
Invoice Factoring“I want the lowest possible rate”
SBA and commercial real estate programs carry the longest amortizations and the lowest available pricing when your file and timeline can support a longer review.
SBA & Commercial Real EstateOne short form tells us which desk fits your business.
About 3 minutes, plus upload separately. No hard credit pull to explore. Commercial financing only; approval is not guaranteed.
Columbus, OH · Commercial cleaning · 7 years in business · 11 employees
The situation. A property manager offered this cleaning company a standing contract to clean eight corporate office buildings overnight — more work than it had ever been offered at once. To honor the contract the owner needed commercial floor machines, a large first supply order, and two weeks of night-crew payroll before the client's first check. Her own bank wanted weeks and more paperwork; the property manager wanted an answer by month's end.
What we did.
- Read seven years of steady deposits and the signed portfolio agreement, and split the cost across equipment, supplies and payroll.
- Ruled out a line of credit (she needed one lump sum, not a revolving line) and equipment financing (most of the cost was supplies and payroll).
- Matched her to an unsecured term loan — one amount, one fixed schedule, no collateral — from one of our lending partners.
The outcome. She bought the machines, stocked supplies, made first payroll the same week, and took the account. Her crews now clean all eight buildings every night.
Small Business Term Loan
- Amount placed
- ~$95,000
- Timeline
- Funded in days
Fort Wayne, IN · Towing & recovery · 9 years in business · 6 employees · (names changed for privacy)
The situation. The heavy-duty wrecker — the only truck that could recover a box truck, bus, or loaded trailer — lost its transmission mid-recovery on a Sunday night. The rebuild quote came back at nearly half the cost of replacing a truck already past 400,000 miles. For six weeks the owner handed those calls to a competitor, keeping the relationships alive by apologizing. His deposits still looked steady from the light-duty trucks, but the work he never got to bill was what actually hurt. He had been saving toward a second heavy unit anyway, about eighteen months short.
What we did.
- Read nine years of operating history, the deposit pattern across light and heavy work, and what the heavy calls had been worth before the truck quit.
- Ruled out revenue-based financing — repayment moves with revenue, and his revenue would be lowest exactly while he rebuilt the call volume he had given away.
- Ruled out a line of credit — a line is built for a seasonal gap that comes back, and he needed one truck, once, to own for the next decade.
- Placed him on equipment financing, where the wrecker itself is the collateral — the money was structured against the unit, not against the cash needed to keep four trucks rolling.
The outcome. He ran his first heavy call on the replacement nine days after he applied. The county never had to go looking for anybody else.
Equipment Financing
- Amount placed
- $75,000
- Timeline
- Decision within 24 hours
Outside Fort Wayne, IN · Medical staffing · 6 years in business · (names changed for privacy)
The situation. The owner had $340,000 sitting in receivables and could not cover Friday payroll. His agency places nurses and surgical techs into three regional hospital systems — his people get paid every Friday, his hospitals pay in sixty days. He had managed that gap since he opened, right up until he won a contract he had been chasing for two years. The new contract meant hiring nineteen people before a single hour of it could be billed. His bank turned him down on credit before he could explain who his customers were.
What we did.
- Read six years of operating history and invoices billed to hospital systems that pay slowly and pay every time.
- Ruled out a line of credit (out on credit score) and a term loan (a fixed payment on top of a payroll just grown by nineteen people).
- Advanced roughly $280,000 against invoices already issued — the invoice is the asset, so the credit underwritten is the hospital's, not the owner's.
The outcome. He made payroll that Friday and kept all nineteen hires. The partner who made the introduction earned $2,240 for a name and a phone number.
Invoice Factoring
- Amount placed
- ~$280,000 first advance
- Timeline
- First advance in 3 days
Four kinds of capital. One application.
Pick what the money is for, or select your industry to see the programs owners like you use most.
Lines of Credit & Cash Flow
Revolving lines, working capital and term loans for payroll, gaps and growth.
ExploreEquipment & Titled Assets
Trucks, machinery, clinical and tech equipment — the asset secures the deal.
ExploreInvoices & Receivables
Turn slow-paying invoices, POs and inventory into cash you can use this week.
ExploreCommercial Real Estate
Purchase, refinance, bridge, DSCR rental and construction financing.
ExploreBrowse every funding program
Fast Cash Flow
Real Estate & Property
Receivables & Inventory
By Industry
Small business loans and business funding, organized by how you repay them
Every structure below is a different answer to the same question: where does the money come from each month, and what secures it. The structure is what drives your cost, your speed and how much paperwork you face — so we match the structure to your cash flow first, then shop it across our lending partners with one application.
| Structure | How you repay it | Typical size | How fast |
|---|---|---|---|
| Business line of credit | Interest on whatever is outstanding — draw, repay, draw again. | $10k – $500k | Days to 2 weeks |
| Working capital term loan | One lump sum repaid in fixed monthly installments over 3–36 months. | $5k – $500k | Depends on program and lender |
| SBA 7(a) & 504 loans | Fixed monthly payment over 7–25 years on a government-backed note. | $50k – $5M | 45–90 days |
| Equipment financing & leasing | Monthly payment where the equipment itself is the collateral. | $25k – $5M | 1–3 weeks |
| Invoice factoring | An advance of up to 90% of an invoice, repaid when your customer pays. | $50k – $5M monthly | 3–7 days |
| Merchant cash advance | A small holdback of daily card sales until the advance is repaid. | $5k – $250k | Depends on program and lender |
| Revenue-based financing | A percentage of monthly deposits that rises and falls with revenue. | $25k – $2M | 3–10 days |
| Asset-based lending | A revolving facility sized to receivables, inventory and equipment. | $500k – $10M | 2–4 weeks |
| Purchase order funding | The supplier is paid directly; repaid from the proceeds of the order. | $50k – $5M | 3–7 days |
| Commercial real estate & bridge | Interest-only in the short term, then refinanced or repaid on exit. | $250k – $10M | 1–3 weeks |
Sizes and timing are typical for these structures across our network, not an offer. Approval, amounts, rates and terms depend on the lender and your business profile.
The seven lender types we place small business loans with
Different lenders say yes for different reasons. A bank reads your balance sheet, a factoring company reads your invoices, a fund reads your collateral. One application reaches all of them — here is who is deciding, and what they look at.
National & regional banks
The lowest available pricing when your file is strong — steady credit, two or more years in business, clean financials. The slowest route, and the heaviest paperwork.
SBA-approved lenders
Banks and funds that lend under a government guarantee, which lets them go longer and on thinner collateral than they would on their own book.
Credit unions
Member-owned and relationship-driven. Often the friendliest terms for an established local business that a larger bank quietly passes over.
Online alternative lenders
Underwrite on deposit history and time in business rather than credit score alone. The fastest decisions here, at a higher cost per dollar borrowed.
Equipment finance companies
Specialists by asset class — trucks, medical devices, laundry equipment, construction machinery — underwriting against the asset rather than your balance sheet.
Factoring & purchase order companies
They read your customer, not your credit file. When your invoices are owed by creditworthy payers, this is frequently the largest money available to you.
Private credit & hard money funds
Collateral-first capital that closes in days when a bank timeline would cost you the deal. Priced for that speed, so we use it deliberately.
Now funding Canada
Business funding for Canadian companies
Term loans, lines of credit, equipment financing, SR&ED advances and invoice factoring from $5,000 CAD, in every province and territory.
Three steps from application to funded
Apply — about 3 minutes plus upload
Tell us your revenue, time in business and how much you need. About 3 minutes plus upload. No hard credit pull to explore.
We match your file
A funding advisor matches your file to one suitable lending desk at a time, with your consent.
Review and get funded
Review any available terms with no obligation. Approval, rates and timing are never guaranteed.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Questions, Answered
Seventeen distinct funding programs across working capital, asset finance, receivables and industry-specific lending — matched against one matched lending desk so the structure fits your business rather than whatever one bank happens to offer. Working capital →
No. One application covers everything. We read your revenue, time in business, credit profile and timeline, then bring back the structures that fit. Most business owners end up funded through a program they had not considered.
The initial review requires no hard credit pull, which does not affect your credit score. A hard pull only happens later if you move forward with a specific offer that requires one. Credit score guide →
3-minute basic intake; upload documents whenever you're ready (no rush, no login required). Your advisor explains which documents are needed for your commercial request; approval, rates and timing are never guaranteed. Document checklist →
No. There is no cost to apply and no obligation to accept any offer. If financing closes, Trifecta may be compensated by the financing provider. You see the terms before you decide anything.
You still have options. Several partners underwrite primarily on revenue, deposit consistency and receivables rather than credit score. Business loans for bad credit are not guaranteed, but businesses in the 500s regularly get funded through revenue-based, factoring and merchant advance programs. Credit score guide →
A bank decline is one institution's credit policy, not a market verdict. Our lending partners read revenue, invoices, equipment, inventory and property differently, so the same file can fit a program the bank does not offer. Approval is never guaranteed. When your bank says no →
A small business line of credit, often shortened to business LOC, is revolving: you draw what you need and pay interest only on the active balance. Business term loans fund one lump sum with a fixed repayment schedule, which suits a single planned purchase or project. Compare business loans →
One application. Every option on the table.
Start with no hard credit pull and an intake that takes about 3 minutes, plus upload separately — no hard inquiry, no obligation, no cost to apply.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review involves no hard credit pull to explore your options.
Prefer to talk it through? Call 1.877.977.3015
⚠ Important Financial Disclosures & Legal Compliance Notice
Informational & Analytical Purposes Only: All interactive calculators, estimation tools, text graphics, and software models provided on this landing page are intended exclusively for illustrative, informational, and preliminary analytical business budgeting purposes. Calculations, potential returns, interest factors, cash advances, and loan payment projections displayed by these tools are theoretical mathematical simulations based on user input parameters and do not represent verified financial advice, binding legal agreements, guaranteed contract conditions, or an official commitment or offer to extend commercial credit or financing.
Underwriting & Credit Approval Profiles: Actual funding approvals, transactional factor rates, loan-to-value (LTV) limits, advance distribution margins, loan durations, and legal terms fluctuate dynamically based on rigorous independent underwriting evaluation criteria. These evaluations include, but are not limited to, verifiable historical business cash flow structures, bank deposit frequencies, corporate merchant credit score, time in operation, asset evaluations, industry risk profiles, and macroeconomic market constraints. Not all applying business entities or applicants will satisfy standard criteria or qualify for peak premium advertised funding limits, rates, or programs.
Commercial Lending Limitation: The products, alternative capital options, and commercial services outlined on this website are explicitly designed for commercial, business, operational expansion, and investment purposes only. These services are completely prohibited from being utilized for personal, family, home residential consumer mortgage financing, or household consumption use.
© 2026 Trifecta Business Group, LLC. All rights reserved. Translate-IQ™, Capital Pulse™ and The Breakthrough Process™ are trademarks of Trifecta Business Group. Automated scraping or reproduction of site content and tools is prohibited. Alternative commercial funding structures and loan products may be issued, processed, or backed through our strategic network of certified partner financial institutions, proprietary institutional investors, or specialized asset lenders. Rates, structural terms, and operational program limits are subject to modifications or suspension at any time without advance written notification.