Commercial Financing FAQ

Get answers to frequently asked questions about commercial financing.

Questions about commercial financing? We have answers.

What is commercial financing?

Commercial financing is a funding arrangement between a business lender and a business. The funds are used to finance equipment, technology, inventory, and other significant capital investment needs.

Where can I get commercial financing?

Right here! Balboa Capital is a top-rated business lender that offers commercial financing. We work with small businesses and middle-market companies in a wide variety of industries nationwide.

What are commercial financing rates based on?

As with any business financing product, the actual rate you secure will depend on several underwriting factors, such as your credit rating, debt-to-income ratio, time in business, and financial strength. A Balboa Capital financing specialist can discuss our lending criteria in more detail.

How do I apply for commercial financing?

Balboa Capital’s online commercial financing application is simple, and a dedicated account manager will contact you to go over your options and answer any questions you have.

What are the annual revenue requirements for commercial financing?

Our commercial financing division works with small businesses and middle-market companies with $100,000 or more in annual revenue. Approval decisions are also made based on other factors, such as time in business, credit score, etc.

My middle-market company needs immediate financing. Can you deliver?

Yes. It is common for middle-market companies to require immediate financing for business-critical assets. When they do, they can count on us to deliver, and so can you. We offer application-only funding of up to $500,000 for hard collateral and up to $350,000 for soft collateral.

What industries does Balboa Capital serve?

Balboa Capital works with middle-market companies in most industries, including construction, technology, and hospitality. Working with a lender that regularly deals with companies in your industry is a tremendous benefit.

Why should I choose Balboa Capital?

What sets Balboa Capital apart is the consistent and seamless experience we can provide you with. You will work with a knowledgeable and competent commercial financing manager throughout every step of the process. Lastly, we offer competitive rates, flexible repayment terms, and prompt funding.