FIDELIS COMMERCIAL CAPITAL

The Right Funding At The Right time

Government Backed Business Loans

Benefits of a SBA Loan

SBA (Small Business Administration) loans offer several benefits to small business owners, including:

Lower rates compared to other commercial loans, which can save you money in interest payments.
Longer repayment terms, which can help you manage your cash flow by spreading out their loan payments over a longer period.
Lower Down Payment: SBA loans often require a lower down payment, which can help businesses preserve their cash reserves and maintain liquidity.
Flexible Use of Funds: SBA loans can be used for a wide range of business expenses, such as purchasing inventory, equipment, or real estate, as well as for working capital and debt refinancing.
Access to Capital: SBA loans can provide small businesses with access to the capital they need to start or grow their business, even if they have been turned down for traditional loans.
Flexible Use of Funds: SBA loans can be used for a wide range of business expenses, such as purchasing inventory, equipment, or real estate, as well as for working capital and debt refinancing.

Overall, SBA loans can be an excellent financing option for small businesses looking to start, expand, or improve their operations.

SBA 7a Loan

Loan Requirements

SBA 504 Loan

An SBA 504 loan is a type of financing that is specifically designed to help small businesses acquire fixed assets such as real estate or equipment. The loan is made up of two parts: a loan from a Certified Development Company (CDC) that is backed by the SBA, and a loan from a traditional lender, such as a bank or credit union. The SBA 504 loan is typically used for long-term, fixed assets that are essential to a business’s operations.

Overall, the SBA 504 loan is a useful financing option for small businesses that need to acquire long-term fixed assets. The loan offers attractive terms and lower interest rates than traditional commercial loans, making it an appealing option for businesses looking to grow and expand.

Up to $10,000,000
Funding time: 30-60 days
Repayment terms (10-20 years)
Used to purchase real estate for a business, including land, buildings, and improvements.
Can be used to fund the construction or renovation of a business's existing property or new property.

Benefits of a USDA Business & Industry Loan

USDA Business & Industry (B&I) loans are a type of financing program offered by the United States Department of Agriculture. These loans are designed to support rural businesses and stimulate economic growth in rural areas. Here are some of the benefits of a USDA B&I loan:

Can be used to fund a wide range of business activities, including working capital, business acquisition, real estate purchase, and equipment purchases.
Low-interest rates compared to other types of commercial loans, which can save you money in interest payments.
Longer repayment terms, which can assist you in managing cash flow by spreading out your loan payments over a longer period.
Designed to stimulate economic growth in rural areas by supporting job creation and retention.
Guaranteed by the government, which can make them more appealing to lenders and easier to obtain for borrowers.
List Item

Loan Details

$500,000 to $25,000,000
Max real estate term: 30 years
Max term on machinery and equipment: 15 years
Maximum working capital term: 7 years
Down payment existing businesses: 10%
Down payment startups: 20%