We broker small business loans through trusted lender partners. Working capital lines, term loans, equipment financing, merchant-cash advances when they fit, SBA referrals. We are paid by the lender on funded deals — no application fee to you, no upfront cost, no pressure to take a deal that does not work.
Most lending brokers push merchant cash advance because it pays them best and closes fast. We will tell you when an MCA is the right tool and when it would crush your cash flow. Same for equipment financing, term loans, and SBA. The honest answer is the entire job.
Short-duration cash need, predictable card volume, sub-12-month payback. Used right, it is a tool. Used wrong, it is a trap.
Capital expenditure, expansion, predictable repayment. Equipment, real estate improvement, predictable monthly servicing.
Larger amount, longer term, willing to provide documentation, can wait the timeline. We refer you to qualified SBA partners.
Sometimes the right answer is "clean up X, then come back in 90 days". We will tell you that too.
There are six common business lending products. Each fits a different cash-flow problem. Picking the wrong one is expensive; picking the right one is straightforward once the problem is named.
Short-to-medium term cash to bridge a cash gap, fund inventory, or smooth seasonal swings. Term loans are paid back on a fixed schedule (usually 12-60 months). Lines of credit are revolving — draw as needed, pay interest only on the drawn balance. Best for: predictable cash needs you can pay back on a schedule.
Asset-backed loan to acquire specific equipment. The equipment itself is collateral. Rates and terms are usually better than unsecured working capital because the lender has the asset to recover. Best for: vehicles, machinery, kitchen equipment, point-of-sale hardware.
Government-guaranteed loans up to $5M. Lower down payment, longer terms (typically 7-10 years for working capital, 25 years for real estate). Slower funding (30-90 days) because of underwriting complexity. Best for: large purchases, real estate, business acquisitions.
Specifically for owner-occupied commercial real estate or major fixed assets. Two-loan structure (bank loan + CDC loan), typically 10% down. Best for: buying or building your own commercial property.
Cash today repaid as a percentage of future card sales. Fast (often 24-72 hour funding). Expensive when annualized. Useful when the cash need is urgent and the alternative is missing the opportunity. Dangerous when used as a substitute for unprofitable operations — the daily repayment chokes already-thin cash flow. Steele Solutions recommends MCA only when the math actually works for your cash cycle, not as a default.
You sell unpaid invoices to a factor at a discount. The factor pays you ~85-90% immediately and collects from your customer. Best for: B2B businesses with 30-90 day net terms who can't wait for customer payment.
We package your application once and present to multiple lenders. You get offers from the lenders who say yes, plus our honest read on which offer fits your situation. We do not charge an application fee. Steele Solutions is paid a referral fee by the lender on funded loans, which means we win when the loan funds — the same incentive structure you have.
Fifteen-minute call with Jim. No documents needed at this stage. Just tell us what the capital is for and we will tell you what fits.
Call Jim · 417-294-1882