Commercial Financing FAQ

Get answers to frequently asked questions about commercial financing.

Questions about commercial financing? We have answers.

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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.

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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.

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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.

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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.

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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, FICO credit score, and more.

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

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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.

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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.