Loan Types & Services
We partner with banks, private lenders, and fintech platforms to provide SBA loans, term loans, working capital, equipment financing, real estate loans, and more.
Minimum typical requirements: Most programs require 6+ months in business, active business bank account, consistent monthly revenue, and no recent major defaults. Options vary by product and lender.
SBA Loans
Long-term, low-rate financing ideal for expansion, acquisition, or debt refinancing — backed by the Small Business Administration for lower risk and better terms.
Key Benefits
- Lowest interest rates among business financing options
- Long repayment terms (up to 10–25 years)
- High loan amounts for acquisition, expansion, or real estate
- Backed by the U.S. Small Business Administration for added stability
Business Lines of Credit
Flexible revolving access to funds — borrow, repay, and reuse as needed. Revolving credit that gives you ongoing access to funds.
Key Benefits
- Draw funds only when needed — pay interest only on what you use
- Reusable capital as you repay (revolving structure)
- Flexible for managing cash flow gaps and short-term needs
- Typically lower cost than merchant cash advances
Commercial Real Estate Loans
Purchase, refinance, or renovate commercial or investment property with competitive bank or private financing options.
Key Benefits
- Long-term financing for property purchase or refinance
- Build equity instead of paying rent
- Competitive rates for owner-occupied properties
- Options for stabilized and value-add properties
Working Capital
Flexible short-term funding to cover cash flow, payroll, inventory purchases, or day-to-day operating needs so your business stays moving.
Key Benefits
- Fast access to funds when you need them most
- Cover payroll, inventory, or operational expenses
- Flexible use of funds with minimal restrictions
- Quick approval process with streamlined documentation
Term Loans
Predictable mid-term financing (1–5 years) with fixed payments. A strong choice for growth investments, hiring, new equipment, or expansion projects.
Key Benefits
- Predictable monthly payments with fixed repayment schedule
- Ideal for growth, expansion, or refinancing existing debt
- Larger funding amounts compared to short-term options
- Lower overall cost than high-frequency payment products
Construction Loans
Short-term financing to build, expand, or renovate commercial properties — with structured draws as your project progresses.
Key Benefits
- Fund both land (in some cases) and construction costs
- Interest-only payments during build phase
- Draw-based funding aligned with project progress
- Transition to permanent financing upon completion
Revenue Based Funding/MCA
Short-term financing where payments adjust with your revenue. Ideal for covering supplier costs, purchasing inventory, or capturing new business without straining cash flow.
Key Benefits
- Payments adjust based on your daily/weekly revenue
- Fast approvals with minimal documentation
- Accessible for lower credit or short time in business
- No fixed maturity date in some structures
Equipment Finance
Invest in machinery, vehicles, and technology with fixed-rate loans structured around the asset's useful life — preserving working capital for daily operations.
Key Benefits
- Preserve cash flow — finance up to 100% of equipment cost
- Equipment itself serves as collateral (easier approval)
- Fixed payments aligned with equipment useful life
- Fast approvals for essential business upgrades
Which Loan Is Right for Me?
Not sure where to start? Here's a quick guide:
Lowest rates & longest terms
SBA Loan
Fastest access to cash
Working Capital / MCA
Flexible funding
Business Line of Credit
Major purchases
Equipment Financing
Property purchase or refinance
Commercial Real Estate Loan
Construction or expansion
Construction Loan
Still unsure? Brava Lending will evaluate your goals, financial profile, and growth plans — then match you with the best program.