Commercial Financing FAQ

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.

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.

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.

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.

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.

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.

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.

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.