Commercial Financing Up To $500,000

Simple application. Simple process.

Custom-tailored commercial financing solutions.

Whether you are financing a capital equipment purchase, technology refresh program, or expansion initiative, you need a business lender that can provide you with a custom-tailored financing solution. You need Balboa Capital.

We structure and deliver commercial financing solutions for middle-market companies with revenues above $10 million. We are the perfect choice for your company with our lending power, industry expertise, and competitive rates.

Application-only for hard collateral up to $500,000
Application-only for soft collateral up to $350,000
If approved, same-day funding is available
Easy online application
One-hour approval decisions during regular business hours
Flexible terms available
Competitive rates

Commercial financing in 3 easy steps.

Submit a simple online application.
Get a prompt decision during our normal business hours.
If your application is approved, funds will be provided fast.

What we look for.

Minimum of one year in business

$100,000+ in annual revenue

FICO score of 620 or more

These are some of our minimum lending requirements, and meeting them does not constitute approval.
Should you apply for commercial financing, additional lending criteria will determine if you qualify.

An efficient process that respects your time.

We know you are busy managing the day-to-day operations at your company. As a result, the last thing you want is to waste your valuable time when trying to secure funding. With Balboa Capital, you will not have to. Our technology-driven systems help accelerate the entire process.

You can apply for commercial financing from your computer or mobile device. We keep our application simple so you can complete it quickly. If your application is approved and you decide to move forward, one of our account managers will contact you to discuss your options and answer any questions you have.

Financing makes good business sense.

Financing things like equipment, technology, vehicles, and expansion efforts makes good business sense, even if your company has a sizeable cash reserve or an extensive credit line.

Making predictable monthly payments over a set term allows you to preserve your working capital for future investments, product launches, and other growth-related initiatives.

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Reasons to finance equipment for your company.

Saves capital

Improves cash forecasting

Makes equipment upgrades easy

Helps you get equipment fast

Offers a potential tax deduction

Gives you a competitive advantage

Focused, responsive service.

At Balboa Capital, we are dedicated to providing you with the focused, responsive and unhurried service you want. You will work directly with one of our knowledgeable account managers at every step.

If you ever have a question or want to inquire about your account, your Balboa Capital account manager will gladly assist you. This level of service saves time and keeps you informed throughout each step of the process.

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Frequently asked questions about commercial financing.

What is commercial financing?

This 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?

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 with you in more detail.

How do I apply for commercial financing?

Balboa Capital’s online 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?

Our company 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, FICO credit score, etc.

How long does it take to get funding?

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 financing of up to $500,000 for hard collateral and up to $350,000 for soft collateral.

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Reasons to choose Balboa Capital.

Lender with an A+ BBB rating

Over $7 billion funded nationwide

Simple, quick process

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