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Loan Options

While you are busy building your business, we will find the best possible business loan option to suit your unique needs.

MultiFunding helps businesses obtain various types of financing from SBA loans to bridge financing. We are industry-agnostic and regularly work with businesses in retail, medical, online services, wholesale, real estate, franchising, contracting and more.

We work closely with a vast network of lenders to find the most favorable and affordable financing options for your business.

MultiFunding loan experts can help you with:

SBA Loan application — **Government Lending (7a, CDC/504, Express, CapLines, International Trade Loans)**
The Small Business Administration (SBA) is a government entity that partially guarantees traditional bank loans (between 50%-85% of the loan amount) to lower lender risk and reduce interest rates on loans up to $5 million in value.

7(a): 7(a) loans are the most common type of business loan guaranteed by the SBA covering a broad range of collateral and business types.

CDC/504: CDC/504 covers real estate and equipment loans.

SBA Express: The SBA can expedite the borrowing process for a higher premium on smaller loan amounts (under $350,000).

CAPLines: SBA’s CAPLines program helps small businesses borrow for short-term and cyclical working capital needs.

International Trade Loans: The International Trade Loan offers loans up to $5 million for fixed assets and working capital for exporting businesses from small to mid-sized.

Visit SBA Ignite to learn more.

Small Business Funding — **Working Capital**
A working capital loan provides small and mid-sized business owners with extra funds in order to expand or improve current business. Working capital loans can be used for advertising or to become cash flow positive by paying off existing debt.

Entrepreneur leverages an SBA Loan to grow business — **Middle Market Lending & Mezzanine Loans**
Mezzanine financing is a hybrid of debt and equity financing that gives the lender the right to convert to an equity interest in the company in case of default, generally, after venture capital companies and other senior lenders are paid. Mezzanine debt has embedded equity instruments attached, often known as warrants, which increase the value of the subordinated debt and allow greater flexibility when dealing with bondholders. Mezzanine financing is frequently associated with acquisitions and buyouts, for which it may be used to prioritize new owners ahead of existing owners in case of bankruptcy.

Small Business Funding Options — **Debt Restructuring**
When financial hardship strikes, debt restructuring allows a company to reduce and renegotiate its debts in order to improve cash flow and continue its day-to-day operations.

Business owner secures SBA Loan to grow business — **Equipment Leasing**
Instead of locking up substantial capital in an equipment purchase, it may make sense to lease your equipment from the manufacturer or one of the many lenders that specialize in equipment financing.

Commercial Mortgage (Owner Occupied, Investment)A commercial mortgage helps businesses purchase or develop commercial property. — **Commercial Mortgage (Owner Occupied, Investment)**
A commercial mortgage helps businesses purchase or develop commercial property.

Bridge Financing small business loan — **Bridge Financing**
Bridge loans are short-term cash solutions that help keep the business alive while a longer term loan option is pending.

Franchise FinancingOpening a franchise requires business owners to invest cash upfront. Franchise fees and other costs are necessary to launch the operation—lenders provide franchise financing to help manage these costs. MultiFunding works with an e… — **Franchise Financing**
Opening a franchise requires business owners to invest cash upfront. Franchise fees and other costs are necessary to launch the operation—lenders provide franchise financing to help manage these costs. MultiFunding works with an exclusive franchise partner who specializes in using retirement funds to open a franchise.

Asset Based Lending

Asset-based lending is the business of loaning money in an agreement that is secured by collateral. An asset-based loan or line of credit may be secured by inventory, accounts receivable, equipment, or other property owned by the borrower.

Contract FinancingBusinesses seek contract financing when they need an advance on their contracted work before service is completed, but not necessarily before work on the project is finished. — **Contract Financing**
Businesses seek contract financing when they need an advance on their contracted work before service is completed, but not necessarily before work on the project is finished.

P.O. FinancingWhen a business needs to fulfill an order and is running short on cash, lenders will buy needed items and cut a check to the supplier directly. The loan plus fees will be debited from the borrower in equal payments over an agreed-upon … — **P.O. Financing**
When a business needs to fulfill an order and is running short on cash, lenders will buy needed items and cut a check to the supplier directly. The loan plus fees will be debited from the borrower in equal payments over an agreed-upon number of days. P.O Financing can be expensive, but they can be the best option at the time.