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Business Financing for Established Businesses

Options from $100K to $15 Million*

Unsecured · Working Capital · Equipment · Commercial Real Estate
* Checking your eligibility will not impact your credit score.
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Business Loans

Competitive Rates

Explore competitive business financing options based on your business and credit profile.

Business Loans

Unsecured Options

Unsecured business financing options are available for qualified applicants.

Business Loans

Streamlined Process

Complete our simple pre-qualification process to explore available business financing options.

Financing for Established Businesses

Explore Options Designed Around Your Business Needs

Business Loans

GreenSpot Funding helps established businesses explore financing options based on their financial profile, financing needs and intended use of funds. Available options may include unsecured business loans, working capital financing, debt refinancing, equipment financing and commercial real estate financing.

Financing options vary by product and may include:

  • Unsecured Business Loans — up to $500,000
    Financing for qualified established businesses without requiring specific collateral.
  • Working Capital, Debt Refinancing & Equipment — up to $5 million
    Financing options for business expansion, working capital needs, refinancing existing business debt, equipment purchases and other qualified business purposes.
  • Commercial Real Estate Financing — up to $15 million
    Financing options for eligible commercial real estate purchases and refinancing, subject to property, borrower and underwriting requirements.

Eligibility and available financing are based on a number of factors, which may include business revenue, time in business, credit profile, cash flow, existing obligations, requested financing amount, use of funds and available collateral. Requirements vary by financing product and lender.

Our pre-qualification process is designed to help identify financing options that may fit your business before proceeding with a full application. Pre-qualification does not guarantee approval, a specific financing amount, interest rate or loan term. Final approval and terms are subject to underwriting and applicable lender requirements.

Frequently Asked Questions

Q. Why Do I Need Financing?

A. The first question you need to answer involves why you need financing in the first place.  If it’s to pay bills for the month because you’re short on cash for the moment, then a business loan may not be the best way to go.  In that situation, an unsecured business line of credit will make a lot more sense for the most part.  If you’re looking to purchase or rent new workspace, or you’re looking to hire new people or augment your equipment or inventory to boost sales, that may be a better time to look into a business loan. 

Q. How Much Do I Need?

A. This may seem like an obvious question to answer, but that isn’t always the case.  Financing for businesses doesn’t ever just involve right now, but instead involves next week, next month and next year.  If you’re planning on using as much cash on-hand as possible to fund your current need, then where is that cash coming from?  Is it going to be replenished before you need that cash for something else?  You need to decide on that before you finalize the amount you’re going to look to borrow from a business loan so you’re not caught short again in the future.

Q. When Do I Need It?

A. Financing for small businesses can usually be obtained relatively quickly, depending on whom you work with to secure it, but even small differences can make a huge difference in terms of your operation. If you need money in a few days as opposed to next month or next quarter, you’re going to need to look at different options than you would if you need money in four months, where an SBA loan could be an option because those loans can take months to complete. Define your timeframe as accurately as possible.

Q. How Much Can I Afford?

A. When it comes to financing for small businesses, there’s an amount that owners may be able to afford based on standard equations and the balance sheet, and then there’s the amount that a small business can afford in reality. Anyone who has run a business understands this overlooked but critical difference. You need to “plan for the worst and hope for the best,” as the old saying goes, so when deciding what you can afford, assume certain things are not going to go your way so you’re ready to handle those things that would otherwise surprise you.

Testimonials

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