Business Financing Solutions

Small Business Administration (SBA) Guaranteed Loans

Your business loan made easier with an SBA preferred lender.

Designated as a Preferred Lending Program (PLP) lender by the U.S. Small Business Administration, our lending partners have the authority to make credit decisions in-house, which means you:

Save weeks of waiting for SBA decisions. Have access to tools most other banks don’t have. You focus on your business, we’ll focus on closing your loan. Know your bank has the SBA expertise and performance history to get deals done.

SBA 7 (a) Loans help small businesses by offering longer, flexible terms and lower-equity contributions.

SBA 504 Loans provide small businesses with long-term, fixed-rate financing.

SBA CAPLines are designed to help small businesses manage cyclical cash flow needs through revolving lines of credit.

USDA Business and Industry (B&I) loans create growth, stability and employment opportunities.

Unsecured Business Term Loans

Receive up to $1,000,000 in 3-5 Business Days

A term loan is what you’re probably thinking of when you say “small business loan.”

It’s a classic financing option to help power the growth of small businesses. With a business term loan, a small business can borrow a lump sum from a lender that is paid back in steady increments over the set borrowing period, or term.

• Rates As Low As 6%
• Low Monthly Payments
• Unsecured & Secured options available
• Fixed Payments
• Up To 10 Year Terms

• 660+ Credit Score
• 2 Years + in business
• No Major Derogatory Credit Items In The Last 6 Months
• $100,000+ in annual revenues 

Unsecured Business Lines of Credit

Receive up to $150,000 in the next 7-10 Business Days

Think of a line of credit as a financial safety net for your business. It’s there if you need it, but you’re under no obligation to use it.

And when you do tap into it, you can use it to cover almost any small business need. Plus, you only pay interest on the funds you use, not the full amount.

• Rates as low as 6.99%
• Only pay interest on what you draw
• Unsecured & secured options available
• Terms 3-24 months

• 660+ Credit Score
• At least 6 months in business
• No recent derogatory credit
• At least $50,000 in annual revenue


401-K Rollover for Business Startups (ROBS)

Our 401(k) rollover plan options for business startups allows you to use your 401(k) or other eligible retirement funds as working capital for your business or franchise—tax-deferred and penalty.

  • Access existing retirement funds to invest in a new or existing business
  • Tax-deferred and penalty free
  • Funds can be obtained in about 3 weeks
  • Can use funds as capital for down payment on an SBA loan
  • Retirement savings plan

Based on:

  • Availability of sufficient qualified retirement plan (401K, IRA, PSP, 403(b), SEP IRA, or Gov 457(b))
  • Roth accounts are not eligible
  • Minimum $20k required

Cashflow Advances

 Loan or Advance Benefits

  • Funding From 1-2x Monthly Sales
  • Cost of Capital 1.2x-1.4x Advanced Amount (Ex: Receive $10,000 pay back $12,000-$14,000)
  • Short Terms (4 Months-2Years)
  • No Collateral Required

Minimum Requirements

  • $3,000+ monthly revenue each of last three months.
  • 500+ Owner’s FICO Score
  • 4+ Months in business 



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967 Mayfield Street
Cary, IL 60013