| If you need | Amount | Speed | Program |
|---|---|---|---|
|
Working capital, equipment, inventory, acquisition |
$50K – $5M |
15–60 days |
|
|
Capital fast, with minimal documentation |
$50K – $350K |
1–2 weeks |
|
|
Large acquisition, AR facility, or rural project |
$1M – $50M+ |
60–90 days |
|
|
To buy or refinance property |
$200K – $200M+ |
21–90 days |
Most businesses that come to us land here.
SBA Business Loans carry the lowest rates available to most small businesses, starting at Prime +2%, because a portion is guaranteed by the SBA. Sizing runs $50,000 to $5 million, with the smallest tier closing in about 15 days. Requires two years in business and a 640+ credit score.
Business Term Loans close in one to two weeks when an SBA timeline won’t work. $50,000 to $350,000 over three to five years, 15–23% APR with a 5% origination fee. Requires three years in business and a 675+ score. Costs more than SBA, and that’s the trade you’re making for speed.
These are capital-markets programs with institutional lenders. Sizing, structure, and timelines are meaningfully different from the small business tier above — expect 60 to 90 days and a full diligence process.
| Loan Amount | $5 Million to $50+ Million |
|---|---|
| Company Warrants | Case-by-case, normally 5–10% |
| Loan-To-Cost | 65–70% (seller carry/seller retained equity may cover part of the equity) |
| Interest Rate | Market rates – contact us for current pricing |
| Geographic Focus | All East Coast and Primary & Secondary Markets Nationwide |
| Loan Types | Large Business Acquisition, Working Capital |
| Term | 2–3 years |
| Yield Maintenance | Flexible |
| Recourse | Case-by-case |
| Business Type | All types considered (including software businesses) |
| Amortization | Interest Only (I/O) |
| Loan Amount | $1 Million to $35 Million + |
|---|---|
| Loan-To-Value | Up to 85% of eligible AR |
| Eligible AR | 60 days or less |
| Interest Rate | Market, Contact us |
| Geographic Focus | All East Coast and Primary & Secondary Markets Nationwide |
| Amortization | Bullet to Maturity |
| Term | 2–3 years |
| Yield Maintenance | Flexible |
| Unused Line Fee | 0.25% |
| Asset Classes | Targeted towards businesses in a growth phase needing capital for expansion |
| Annual Facility Fee | 1% |
| Loan Amount | $2 Million to $50 Million (up to $25 million per project) |
|---|---|
| Balance Sheet | Equity: 10% or more |
| Loan-To-Cost | Up to 75% |
| Interest Rate | Prime + 2.75% |
| Geographic Focus | Nationwide; Population: 50,000 or less |
| Loan Types | 1st Mortgages |
| Term | 10–25 years (Equipment vs Real Estate) |
| Uses | Loan proceeds can be used to refinance existing debt, ground-up construction, acquire real estate, purchase machinery/equipment (FF&E), and for working capital. |
| Recourse | Full Recourse |
| Asset Classes | All commercial assets (no golf courses or churches) |
| Closing Time | Typically, 75–90 days |
If the money is going into real estate rather than operations, you’re on the wrong page. See commercial real estate loans for purchase and refinance, or SBA loans for commercial real estate if you’ll occupy the building with your business.
$50,000, through either the SBA program or a business term loan. Below that, we’re not the right fit and we’d rather tell you now.
From about 15 days on a small SBA request or one week on an application-only term loan, out to 60–90 days on institutional acquisition and USDA financing. Speed and cost trade against each other on every program here.
Yes. Two years minimum for SBA programs, three years for business term loans. Institutional programs are underwritten deal by deal. We don’t have a startup product.
Not for the small business tier — SBA business loans and business term loans are not secured by property. Collateral may be required depending on loan size, but the SBA won’t decline a loan solely for insufficient collateral.
Yes, at two very different scales. SBA 7(a) covers acquisition on requests above $350,000. The institutional Acquisition Program handles $5 million and up.
640 for the smallest SBA tier, 675 for a business term loan. Credit matters, but time in business and cash flow coverage carry more weight on both programs.
* All rates & requirements listed on this page are subject to change without notice.
Contact Standout Loans and an advisor will help you determine the best loan for your scenario.
You’ll be assigned to a Standout Commercial Loans expert who will guide you through the process.
Your loan expert will present you with the best available options for your loan.
