Nationwide Commercial Lending Marketplace
Nationwide SBA & Commercial Loan Marketplace
Our Loan Marketplace offers flexible SBA and Commercial Financing to help your business get approved without the hassle of finding a bank or lender.
$1.5B+
Funded
1,500+
Businesses
24hr
Pre-Approval
250+
SBA & Commercial Lenders
Why Choose Halo Business Finance
A smarter way to secure business financing — backed by expertise, speed, and a nationwide lender network.
24-Hour Pre-Approval
Get a decision fast. Our streamlined process delivers pre-approval within one business day.
Competitive Rates
Our marketplace model connects you to 150+ lenders competing for your business — driving rates down.
Dedicated Loan Officers
Work one-on-one with experienced commercial lending professionals from application to funding.
Our Streamlined Loan Process
Select Your Loan Program
Browse SBA, conventional, and specialized financing options tailored to your business needs.
Apply now
Answer Questions
Our streamlined application takes just 10 minutes to complete with smart form technology.
Apply now
Get Pre-Approved
Receive conditional approval within 24 hours with no impact to your credit score.
Apply now
Upload Financials
Secure document upload with bank-level encryption and automated verification.
Apply now
Our Streamlined Loan Process
Select Your Loan Program
Browse SBA, conventional, and specialized financing options tailored to your business needs.
Apply nowAnswer Questions
Our streamlined application takes just 10 minutes to complete with smart form technology.
Apply nowGet Pre-Approved
Receive conditional approval within 24 hours with no impact to your credit score.
Apply nowUpload Financials
Secure document upload with bank-level encryption and automated verification.
Apply nowSmall Business LoansFinancing for
Get pre-approved today
Financing for
small businesses
Find the ideal small business loan for you. From SBA-backed financing to conventional options.
Trusted by 1,500+ businesses
Halo Business Finance Customers
Over $1.5 billion funded nationwide
SBA
SBA 7(a) Loans
Versatile financing for working capital, equipment, and real estate purchases.
Prime + 2.75%
Current Rate
Loan Terms
Up to 25 years
- Up to $5 million loan amount
- Long-term financing up to 25 years
- SBA government guarantee protection
SBA
SBA 504 Loans
Fixed-rate financing for real estate and major equipment purchases.
Fixed Rate
Current Rate
Loan Terms
Up to 25 years
- Up to $5.5 million total project
- Only 10% down payment required
- Fixed interest rates available
SBA
SBA Express Loans
Fast-track SBA financing with expedited approval process.
Prime + 4.5%
Starting Rate
Loan Terms
Up to 7 years
- Up to $500,000 loan amount
- 36-hour approval timeline guaranteed
- Revolving credit line option available
USDA
USDA B&I Loans
Rural business development financing backed by USDA guarantee.
Prime + 2%
Starting Rate
Loan Terms
Up to 30 years
- Up to $25 million loan amount
- Rural area business focus only
- USDA government guarantee backing
USDA
USDA Rural Development
Rural community development and business growth financing programs.
Prime + 1.5%
Starting Rate
Loan Terms
Up to 40 years
- Rural area development focus
- Community economic development
- USDA government backing
Conventional Loans
Traditional commercial financing for established businesses with strong credit profiles.
5.5%
Current APR
Loan Terms
15-30 years
- No government guarantee required
- Faster approval process timeline
- Flexible repayment terms available
Commercial Real Estate
Purchase, refinance, and develop commercial properties with flexible terms.
5.75%
Current APR
Loan Terms
5-30 years
- Owner-occupied properties
- Investment real estate
- Commercial property development
CMBS Loans
Commercial mortgage-backed securities for large commercial real estate transactions.
5.75%
Starting Rate
Loan Terms
5-10 years
- $2 million minimum loan amounts
- Non-recourse financing options available
- Fixed interest rates guaranteed
Portfolio Loans
Held-in-portfolio lending solutions with flexible underwriting standards.
6.0%
Starting APR
Loan Terms
5-30 years
- Flexible underwriting standards applied
- Quick decision making process
- Relationship-based banking approach
Construction Loans
Financing for new construction and major renovation projects.
6.5%
Starting Rate
Loan Terms
12-36 months
- Interest-only payments during construction
- Progress-based funding disbursement schedule
- Convert to permanent financing option
Bridge Loans
Short-term financing to bridge cash flow gaps while securing permanent financing.
8.5%
Current APR
Loan Terms
3-36 months
- Fast 7-day closing process
- Up to $50 million available
- Flexible short-term repayment options
Multifamily Loans
Financing for apartment buildings and multi-unit residential properties.
5.25%
Starting Rate
Loan Terms
5-40 years
- 5+ unit properties qualified
- Non-recourse financing options available
- Long-term fixed rate stability
Asset Loans
Collateral-based financing using business assets as security.
Prime + 1.5%
Starting APR
Loan Terms
1-5 years
- Asset-backed security collateral required
- Flexible repayment terms available
- Fast approval process timeline
Equipment Financing
Fund new or used equipment purchases with competitive terms.
5.5%
Current APR
Loan Terms
Up to 10 years
- 100% financing available option
- Fast approval process guaranteed
- Flexible payment schedules offered
Equipment Leasing
Lease business equipment with flexible terms and upgrade options.
4.99%
Starting Rate
Loan Terms
12-84 months
- 100% financing with no down payment
- Preserve working capital and credit lines
- Easy equipment upgrades and replacements
Heavy Equipment
Specialized financing for construction and industrial heavy equipment.
5.99%
Starting APR
Loan Terms
2-10 years
- Construction and industrial equipment
- New and used equipment options
- Competitive rates and flexible terms
Medical Equipment
Healthcare equipment financing for medical practices and facilities.
5.5%
Starting APR
Loan Terms
1-10 years
- Medical and healthcare equipment
- Practice expansion financing
- Technology upgrade solutions
Working Capital Financing Options Fuel your business
Fuel your business
growth today
Discover our comprehensive range of working capital products. Browse our working capital loans, factoring, lines of credit, and term loan options tailored to fuel your business growth.
Explore working capitalWorking Capital Loans
Bridge cash flow gaps and fund day-to-day business operations.
Starting at 7.99%
Current Rate
Loan Terms
6-24 months
- Bridge seasonal cash gaps
- Cover operational expenses
- Inventory and payroll funding
Business Line of Credit
Access to capital when you need it with revolving credit lines.
Prime + 2%
Starting Rate
Loan Terms
12-60 months
- Access up to credit limit
- Only pay interest on draws
- Renewable credit facility
Business Term Loans
Fixed-rate business loans for growth initiatives.
5.75%
Starting APR
Loan Terms
3-7 years
- Fixed monthly payments
- Predictable payment schedule
- Business expansion funding
Factoring Financing
Convert invoices into immediate cash through invoice factoring.
1-3%
Factor Rate
Loan Terms
30-90 days
- Convert invoices to cash
- No debt on balance sheet
- Customer credit protection
Working Capital Loans
Bridge cash flow gaps and fund day-to-day business operations.
Starting at 7.99%
Current Rate
Loan Terms
6-24 months
- Bridge seasonal cash gaps
- Cover operational expenses
- Inventory and payroll funding
Business Line of Credit
Access to capital when you need it with revolving credit lines.
Prime + 2%
Starting Rate
Loan Terms
12-60 months
- Access up to credit limit
- Only pay interest on draws
- Renewable credit facility
Business Term Loans
Fixed-rate business loans for growth initiatives.
5.75%
Starting APR
Loan Terms
3-7 years
- Fixed monthly payments
- Predictable payment schedule
- Business expansion funding
Factoring Financing
Convert invoices into immediate cash through invoice factoring.
1-3%
Factor Rate
Loan Terms
30-90 days
- Convert invoices to cash
- No debt on balance sheet
- Customer credit protection
Powerful working capital loans designed to help your business grow and succeed.
Tailored Business Solutions
Industry-Specific Financing Solutions
We understand that every industry has unique financing needs. Our specialized loan programs are designed to support businesses across diverse sectors.
Healthcare & Medical
Specialized financing for medical practices, dental offices, and healthcare facilities
- Equipment financing
- Practice expansion
- Working capital
Restaurant & Food Service
Complete financing solutions for restaurants, cafes, and food service businesses
- Kitchen equipment
- Restaurant acquisition
- Renovation loans
Construction Financing
Commercial construction loans and development financing for builders and contractors
- Construction loans
- Equipment financing
- Working capital
Multi-Family Financing
Commercial real estate loans for property acquisition and investment projects
- Property acquisition
- Refinancing
- Portfolio loans
Oil & Energy Industry
Specialized financing for oil, gas, and renewable energy projects and operations
- Equipment financing
- Project development
- Working capital
Transportation & Logistics
Financing solutions for trucking companies, freight operations, and logistics businesses
- Fleet financing
- Equipment loans
- Working capital
Retail & E-commerce
Business financing for retail stores, online businesses, and e-commerce operations
- Inventory financing
- Store expansion
- Working capital
Hotel & Motel Industry
Hospitality financing for hotels, motels, and accommodation businesses
- Property acquisition
- Renovation loans
- Construction loans
Car Wash Financing
Financing solutions for car wash businesses, equipment, and facility development
- Equipment financing
- Facility construction
- Working capital
Gas Station Financing
Financing for gas stations, fuel operations, and convenience store businesses
- Property acquisition
- Construction loans
- Working capital
Healthcare & Medical
Specialized financing for medical practices, dental offices, and healthcare facilities
- Equipment financing
- Practice expansion
- Working capital
Restaurant & Food Service
Complete financing solutions for restaurants, cafes, and food service businesses
- Kitchen equipment
- Restaurant acquisition
- Renovation loans
Construction Financing
Commercial construction loans and development financing for builders and contractors
- Construction loans
- Equipment financing
- Working capital
Multi-Family Financing
Commercial real estate loans for property acquisition and investment projects
- Property acquisition
- Refinancing
- Portfolio loans
Oil & Energy Industry
Specialized financing for oil, gas, and renewable energy projects and operations
- Equipment financing
- Project development
- Working capital
Transportation & Logistics
Financing solutions for trucking companies, freight operations, and logistics businesses
- Fleet financing
- Equipment loans
- Working capital
Retail & E-commerce
Business financing for retail stores, online businesses, and e-commerce operations
- Inventory financing
- Store expansion
- Working capital
Hotel & Motel Industry
Hospitality financing for hotels, motels, and accommodation businesses
- Property acquisition
- Renovation loans
- Construction loans
Car Wash Financing
Financing solutions for car wash businesses, equipment, and facility development
- Equipment financing
- Facility construction
- Working capital
Gas Station Financing
Financing for gas stations, fuel operations, and convenience store businesses
- Property acquisition
- Construction loans
- Working capital
Choose the annual revenue that fits your business, and we'll show you ways we can help
I'm interested in
Use this tool to find financing that matches your needs. Select a category to learn about specific loan products and resources.
Talk to a loan specialistSBA Loan Programs
Government-backed financing with competitive rates, longer terms, and lower down payments for qualified businesses.
Explore SBA LoansEquipment Financing
Finance essential business equipment with flexible terms and use the equipment itself as collateral.
Get Equipment Financing
Commercial Real Estate
Purchase, refinance, or renovate commercial properties with competitive rates and flexible terms.
Explore CRE Loans
Working Capital
Access fast, flexible funding to manage cash flow, payroll, inventory, and day-to-day operations.
Get Working CapitalCompare Your Options
Financing at a Glance
See how our most popular loan products stack up side by side — rates, terms, and funding speed to help you choose the right fit.
| Feature | SBA Loans | Conventional | Bridge Loans |
|---|---|---|---|
Interest Rate | Prime + 1.5–2.75% | 5.5–8.5% | 8.5–16% |
Loan Term | Up to 25 years | 15–30 years | 3–36 months |
Loan Amount | $50K – $5M+ | $500K – $50M+ | $500K – $50M+ |
Down Payment | As low as 10% | 15–25% | 10–30% |
Funding Speed | 30–90 days | 14–45 days | 5–14 days |
| Best For | Established businesses seeking long-term, low-rate financing | Strong-credit borrowers wanting faster closings | Time-sensitive deals & transitional properties |
| Key Benefits |
|
|
|
SBA Loans
Interest RatePrime + 1.5–2.75%
Loan TermUp to 25 years
Loan Amount$50K – $5M+
Down PaymentAs low as 10%
Funding Speed30–90 days
Key Benefits
- Lowest fixed rates available
- Government-backed security
- Flexible use of funds
Conventional
Interest Rate5.5–8.5%
Loan Term15–30 years
Loan Amount$500K – $50M+
Down Payment15–25%
Funding Speed14–45 days
Key Benefits
- Faster approval process
- Higher loan amounts
- No SBA guaranty fee
Bridge Loans
Interest Rate8.5–16%
Loan Term3–36 months
Loan Amount$500K – $50M+
Down Payment10–30%
Funding Speed5–14 days
Key Benefits
- Fastest funding available
- Flexible underwriting
- Interest-only options
* Rates shown are indicative and subject to change based on creditworthiness, collateral, and market conditions. Contact us for a personalized quote.
Client Success Stories
Trusted by Business Owners Nationwide
See how our marketplace has helped businesses secure the right financing with competitive rates and dedicated support.
"Halo connected us with the right SBA lender in under 48 hours. The process was seamless and we closed in just 30 days. I couldn't believe how easy it was compared to going directly to a bank."
Maria S.
Owner, Bella Cucina Restaurant Group
SBA 7(a) Loan$1.2M
"We needed bridge financing fast to close on a commercial property. Halo's marketplace matched us with a lender who funded within two weeks. Their team guided us every step of the way."
David T.
Managing Partner, Apex Commercial Holdings
Bridge Loan$3.5M
"As a first-time business buyer, I was overwhelmed. Halo's loan officers walked me through the entire SBA process and found a lender with the best terms I'd seen anywhere."
James L.
CEO, Pacific Coast Auto Group
SBA 504 Loan$2.8M
"We compared rates from multiple lenders through Halo's marketplace and saved over $40K in interest over the life of our loan. The transparency was refreshing."
Sarah K.
Founder, Greenfield Medical Partners
Commercial Real Estate$4.1M
"Halo helped us secure equipment financing when our bank said no. Their lender network found a solution tailored to our seasonal cash flow. Outstanding service."
Robert M.
Operations Director, Summit Construction LLC
Equipment Financing$750K
FAQ
Frequently Asked Questions
Get answers to common questions about our loan programs, application process, and requirements.
We offer the full range of SBA loan programs through our lender marketplace, including SBA 7(a) loans for general business purposes, SBA 504 loans for commercial real estate and equipment, and SBA Express loans for fast working capital. Our marketplace matches you with the best lender for your specific needs.
Pre-approval decisions are typically provided within 24 hours of submitting a complete application. Full SBA loan approvals generally take 30–60 days, while conventional commercial loans and bridge financing can close in as little as 2–4 weeks. Our dedicated loan officers work to expedite every step of the process.
Standard documentation includes 2–3 years of business and personal tax returns, a current profit & loss statement, a balance sheet, bank statements from the last 3–6 months, and a business plan or executive summary. Our team will guide you through exactly what's needed for your specific loan type.
Requirements vary by loan program and lender. SBA loans typically require a minimum credit score of 650–680, while conventional commercial loans may require 680 or higher. Our marketplace includes lenders with flexible criteria, so even if your credit isn't perfect, we can often find a solution.
Instead of applying to one bank and hoping for the best, our marketplace connects you with 150+ lenders competing for your business. This means better rates, higher approval odds, and a single application process. You also get a dedicated loan officer who advocates for your deal from start to finish.
No. Our initial pre-qualification uses a soft credit inquiry that does not impact your credit score. A hard inquiry is only performed once you've selected a lender and chosen to move forward with a formal application.
We serve virtually all industries including healthcare, restaurants & food service, construction, manufacturing, retail, transportation, hospitality, gas stations, car washes, and more. Our lender network includes specialists in niche industries who understand sector-specific financing needs.
Loan amounts range from $50,000 to over $50 million depending on the program. SBA 7(a) loans go up to $5 million, SBA 504 loans up to $5.5 million, and conventional commercial loans have no statutory cap. We'll help you determine the right amount and structure for your goals.
Still have questions? Our loan experts are here to help.