business loans

FUND YOUR BUSINESS.PLAN YOUR NEXT STEP.

Your business needs room to grow. Explore business lines of credit, term loans, SBA financing, and
equipment financing based on your goals, cash flow, and qualifications.

THE BUSINESS FINANCING PROCESS

Share your goals

Tell us how much you need and how you plan to use the funds.

REVIEW YOUR BUSINESS

We review time in business, revenue, credit, and existing financing.

EXPLORE OPTIONS

Compare available financing structures and repayment terms.

PROVIDE DOCUMENTS

Submit the information requested by the financing provider.

REVIEW & FUND

Review your final offer and complete closing if approved.

EXPLORE FINANCING OPTIONS

01

Business Line of Credit

Revolving access to funds for cash-flow gaps, inventory, and everyday business expenses.

Discuss this option →

02

Business Term Loan

A lump sum with scheduled payments for expansion, equipment, or other business needs.

Discuss this option →

03

SBA Financing

Government-backed financing for eligible business purchases, expansion, working capital, and more.

Discuss this option →

04

Equipment Financing

Financing to purchase eligible new or used equipment for your business.

Discuss this option →

05

Working Capital

Explore funding for payroll, materials, seasonal needs, and day-to-day operations.

Discuss this option →

06

Business Debt Refinancing

Review options to restructure eligible business debt and compare the total cost of repayment.

Discuss this option →

FREQUENTLY ASKED QUESTIONS

What type of business financing is right for me?

The right structure depends on your use of funds, revenue, credit, time in business, and ability to repay. We can help you identify options to review with a financing provider.

You draw funds from an approved limit as needed. As you repay principal, available credit can replenish, subject to the agreement. Interest, fees, repayment schedules, and access to future draws vary by provider.

A term loan generally provides a lump sum repaid on a set schedule. A revolving credit line allows repeated draws within an approved limit, subject to ongoing eligibility and account terms.

Requirements vary. Some programs do not require specific hard collateral, but a personal guarantee or a lien on business assets may still be required. Review the actual offer before deciding.

Be ready to provide business details, identification, recent business bank statements, and information about existing debt. Tax returns, financial statements, or additional records may be required depending on the program.

Some programs consider newer businesses; others require an established operating history and minimum revenue. Startup financing has different requirements. Share your timeline so we can review potential options.

Timing depends on the program, completeness of documents, and underwriting. Some working capital products can move quickly, while SBA or more complex financing can take longer. Funding is not guaranteed.

Compare total repayment, APR when available, fees, payment frequency, personal guarantees, liens, and prepayment terms. A quoted monthly rate or factor rate is not the same as an annual interest rate.

Have more questions? Contact us — we’re here to help.

FINANCING FOR YOUR NEXT STEP

Start with what your business needs to accomplish.

EXPLORE YOUR OPTIONS

LOOK AT THE WHOLE PICTURE

Have a property need too?

Business financing and property financing often go together. We can help you explore options for your business and the real estate it uses.

Grow the Business

Explore working capital

Buy Your Space

Review commercial financing

Plan Ahead

Discuss your next move

EXPLORE COMMERCIAL FINANCING

LOOKING FOR BUSINESS FUNDING?

Let’s Talk Through Your Options

Tell us a little about your business, the amount you’re considering, and what you want to accomplish. We’ll help you understand possible next steps.

Please don’t include sensitive financial information

Financing is subject to lender approval, eligibility, underwriting, and program availability. Rates, fees, terms, documentation, collateral, and guarantee requirements vary. Prosperis helps clients explore financing through lending and referral relationships; the financing provider makes credit decisions. This is not a commitment to lend.

✅ Request Received

Thanks — we’re reviewing your scenario now.
We’ll text/email you shortly with your loan options.

Need help sooner?
📞 Call/Text: (714) 752-0578

Mortgage Rates Disclosures

 

The advertised loan is a 15-year Fixed Rate Loan with a 15-year fully amortizing term. The interest rate is 5.250% for 180 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.755% APR with a monthly principal and interest payment of $5,838 for 180 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Interest rate quoted assumes a purchase of a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.


The advertised loan is a 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.545% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

The advertised loan is an FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 6.437% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes, hazard insurance, or mortgage insurance; actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

This is a VA program. Current guidelines for VA Financing can be found at https://www.benefits.va.gov/homeloans/index.asp . The advertised loan is a VA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.882% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 100% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

Refinance: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.