Cover payroll, restock inventory, bridge cash gaps, or seize a growth opportunity. SMB Capital Funding is a direct lender — we make the decision in-house, no middlemen.
Use your real estate equity to access business capital — $100K to $2M. SMB Capital Funding is a direct lender — we underwrite and fund in-house.
We fund with our own capital. No middlemen, no runaround, no file shopping.
Most applications receive a decision same day. Funding as fast as 24 hours for qualified applicants.
Working capital lines from $10K to $20M depending on revenue and business profile.
500+ FICO considered. Revenue and cash flow history matter most.
A real estate-backed business loan uses your residential or commercial property equity as collateral to secure business capital. Because the loan is secured, lenders can offer larger amounts ($100K to $2M), longer terms (up to 30 years), and more flexible credit requirements than unsecured business financing. SMB Capital Funding underwrites and funds these in-house as a direct lender.
Yes. Both residential and commercial properties can be used as collateral. You need at least 30% equity in the property after existing mortgages. The property must have a clear title and be located in the United States. This option is popular with business owners who have strong equity but lower credit scores or newer businesses that do not yet qualify for unsecured funding.
There is no minimum credit score requirement. Because the loan is secured by real estate equity, the property value and your available equity matter more than your FICO score. Business owners with scores below 500 have been approved when sufficient equity is available.
We fund businesses in every industry — select yours to see state-specific programs.
State-specific Real Estate-Backed Business Loans programs — click your state for local options.
SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.
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