Financing options beyond the SBA
| Option | What it is | Usually fits | Typical size |
|---|---|---|---|
| Equipment finance & leasing | A loan or lease secured by the equipment you buy (new or used; sale-leaseback possible with some lenders). | Businesses buying trucks, machines, kitchen or medical equipment. | Lenders in this category publish ranges from about $15K to $5M. |
| Invoice factoring | A factor advances cash against invoices you have already issued. | B2B or government customers. Not for consumer-facing businesses (restaurants, salons, retail). | Lenders in this category publish ranges from about $30K to $25M in credit lines. |
| Non-bank term loans & lines | Fixed-payment loans from non-bank lenders. | Established businesses with steady revenue. | Lenders in this category publish ranges from about $5K to $10M. |
| State & CDFI programs | Mission-driven lenders and state funds, often with below-market rates for eligible borrowers. | Smaller amounts; eligibility varies by state. | Mostly up to $500K. |
Equipment finance & leasing
- What it is
- A loan or lease secured by the equipment you buy (new or used; sale-leaseback possible with some lenders).
- Usually fits
- Businesses buying trucks, machines, kitchen or medical equipment.
- Typical size
- Lenders in this category publish ranges from about $15K to $5M.
Invoice factoring
- What it is
- A factor advances cash against invoices you have already issued.
- Usually fits
- B2B or government customers. Not for consumer-facing businesses (restaurants, salons, retail).
- Typical size
- Lenders in this category publish ranges from about $30K to $25M in credit lines.
Non-bank term loans & lines
- What it is
- Fixed-payment loans from non-bank lenders.
- Usually fits
- Established businesses with steady revenue.
- Typical size
- Lenders in this category publish ranges from about $5K to $10M.
State & CDFI programs
- What it is
- Mission-driven lenders and state funds, often with below-market rates for eligible borrowers.
- Usually fits
- Smaller amounts; eligibility varies by state.
- Typical size
- Mostly up to $500K.
Real estate-secured loans: I do not arrange loans secured by real estate.
Figures describe the range of programs lenders publish; they are not an offer. Every lender sets its own terms after underwriting.
See which lenders will look at your business.
Check eligibilityOr call (914) 510-2825