SBA-related financing
Longer-term financing for eligible acquisitions, real estate, equipment, refinancing, and business growth.
Terms may extend up to 25 yearsBank and private-lending connections
Funding built around your next move.
Through our network of leading U.S. banks and private lenders, Our Lokal helps business owners compare SBA-related financing, term loans, lines of credit, bridge loans, working capital, and merchant cash advances.
Email us first with your funding goal. We’ll review the request and arrange a call when needed.
More lender access. More ways to structure your financing.Bank programs • SBA-participating lenders • Private and alternative capital providers
Funding options
Find the right capital for the right purpose.
The best option depends on your revenue, time in business, credit profile, collateral, use of funds, and how quickly you need the money.
Term loans
Lump-sum financing with scheduled payments for expansion, equipment, refinancing, or major projects.
Up to $10M and 10 years for qualifying businessesLines of credit
Flexible access to capital that can support payroll, inventory, seasonal needs, and ongoing expenses.
Limits depend on the business profileBridge loans
Short-term financing designed to help cover a timing gap while longer-term capital is arranged.
Structured around the transactionWorking capital
Fast business funding for inventory, marketing, hiring, operations, and other near-term opportunities.
Fast-review programs may be availableMerchant cash advance
Revenue-based capital with repayment generally tied to future business sales or receivables.
Designed for speed and flexibilityFinancing at different stages
From immediate capital to major projects.
Our network lets us evaluate more than one path. We help you understand which programs align with your goal, timeline, and qualifications before you move forward.
Schedule a funding appointment →$10MTerm-loan potential
Up to 10-year terms for qualifying businesses and uses.
25 yrsLong-term financing
Potential maturity for eligible real-estate and SBA-related structures.
Up to $25MTotal financing for qualifying larger projects
May involve SBA-backed and conventional lender components. Standard SBA program caps and lender requirements apply.
A clearer path to capital
Tell us what you need. We’ll help identify the fit.
We review your business profile and connect you with funding programs that may match your qualifications and goals.
Share your goal
Tell us how much you need, how you will use it, and when you need it.
Review your profile
We consider revenue, time in business, credit, cash flow, collateral, and available documents.
Compare available paths
We explain potential programs and help coordinate the next steps with the appropriate lender.
Which funding option could work for your business?
Email Our Lokal first with your funding need. We’ll review your information, identify potential programs, and schedule a conversation when appropriate.