Commercial Financing FAQ

Commercial financing is funding arrangement between a financial institution (or financing company) and a business. The funds are typically used for equipment, technology, inventory, and other large capital investment needs.

Banks and non-bank lenders offer commercial financing. Balboa Capital has an experienced team that specializes in commercial financing. We work with middle-market companies in a wide variety of industries nationwide.

Balboa Capital offers capital equipment financing, commercial business loans, operating leases, and lease lines of credit.

As with any type of business financing product, the actual interest rate you secure will depend on several underwriting factors, such as your credit rating, debt-to-income ratio, time in business, and financial strength.

Balboa Capital’s online commercial financing application is simple, and your single point-of-contact will handle everything and make sure you get the right financing solution in a timely manner. Lastly, we have highly competitive rates and flexible terms.

Balboa Capital is a direct lender that can facilitate transactions of up to $100,000,000.

Our commercial financing division works with middle market companies that are at least one year old and have $100,000 or more in annual revenue.

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. As a direct lender with proprietary web-based technology, Balboa Capital is able to expedite the process quickly. The end result is funding that is delivered on time, every time.

Balboa Capital works with middle market companies in most business industries, including construction, oil and gas, mining, technology, and pharmaceuticals. Working with a commercial financing company that deals regularly with companies in your industry is a tremendous benefit.

We understand that middle market companies like yours can get financing from a bank. What sets Balboa Capital apart is the consistent and seamless experience we will provide you with. You will work with a knowledgeable and competent commercial financing manager, not a junior-level staffer.