Our working capital loans can help your business cover any immediate expense without wasting time.

Working Capital Loan Guidelines

Loan Terms

3-18 Months

Loan Amounts

$50,000-$1,000,000

Time In Business

6+ Months in Business

Factoring Rates Starting at 1.11% with daily and weekly payment options.

Working Capital Loan Uses

Our working capital loans offer a flexible financing option to meet your business needs.

Quick Business Capital

Marketing & New Hiring

Cover Payroll

Emergency Expense

Business Industries We Serve

  • Retail Industry
  • Hotels & Motels
  • Gas Stations
  • Medical Industry
  • Restaurants
  • Food & Beverage
  • Self Storage Industry
  • Health Care Facilities
  • Assisted Living
  • Deliver & Transport
  • Trucking Industry
  • Fitness Industry
  • Recreation Facilities
  • Bar & Night Clubs
  • Auto Repair
  • Distribution Industry
  • Wholesale Industry
  • HVAC & Industrial
  • School & Day Cares
  • Professional Services
  • Super Markets
  • Hair & Beauty Spa
  • Manufacture Industry
  • Solar Industry
  • And Many More

Working Capital Loan Benefits

Easy To Qualify

Minimum 600 Credit Score to Qualify

Minimum Documents

Tax Returns Required for Loans over $100k

Quick Funding

Closing 3-5 business days

Documents Required

  • Signed Business Loan Application

  • Copy of Mortgage Statement or Lease Agreement

  • Government-Issued Photo-ID for All Owners

  • Copy of the Last 4 Months of Business Bank Statements

  • Articles of Corporation

  • Copy of Voided Check from Business Account

Estimate Your Loan Payment​ Here

Small Business Help Center

Frequently Asked Questions

Do you have questions on how to start a business or need some information on a loan program? View more Q&A here

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Acquiring, improving, or refinancing your business couldn’t be any easier then using the SBA 7a program

Purchase Real Estate

With access to nationwide lenders, HBF is committed to bring you the most competitive rate. We strive to make your dreams come true. Experience financial freedom. 

Refinance Existing Loan

Is your loan maturing? Maybe its time to get a better rate on your existing loan. Halo Business Finance is here for you. We can help you with a fast and smooth process to achieve that goal.

Capital Marketplace

Equipment

Don't dwell on old equipment constantly needing fixing. Make use of the SBA 7a program to purchase new equipment. Out with the old and in with the new you. 

Working Capital/Inventory

Are you ready to build your dream. Then let Halo lend you a hand. We'll help you achieve the max amount of cash needed to bring your dream to reality.

SBA 7a Loan Benefits

Low Down Payment

10% Down Payment Required

Seller Carry Is Allowed

A short description of the benefit.

25 year Fixed Option

A short description of the benefit.

Quick Closing

Closing in 7 days

Commercial Real Estate Loans

SBA 7a Loans Features

Loan Terms

10-25 Years

Loan Amounts

Up to $5 million

Max LTV/LTC

70% LTV - 85% CLTV

Our marketplace was built on the very foundation of business establishment. Nothing says that better then your very own location.

Eligible Property Types

  • Gas Stations
  • Office Buildings
  • Retail Buildings
  • Hotels & Motels
  • Medical Buildings
  • Industrial Buildings
  • Mixed Use Building
  • Assisted Living Facility
  • Gyms & Fitness Centers
  • Special Use Building
  • Apartment Buildings
  • Storage & Warehouse

Documents Required

Halo business finance was created by business bankers and commercial lenders for entrepreneurs.

  • Property Appraisal

  • Last 2 Years of Business and Personal Taxes

  • 12 Months Bank Statements

  • Year to Date P&L and Balance Sheet

  • Last 2 Years of P&L and Balance Sheet

Estimate Your Bridge Loan Payment​ Here

Small Business Help Center

Frequently Asked Questions

Do you have questions on how to start a business or need some information on a loan program? View more Q&A here

Sign Up For Our Newsletter for the latest business and finance news along with the current market trends.

Subscription Form