Small Business Loans
Get the Funding Your Small Business Needs – Flexible Working Capital Solutions for All Industries, No Collateral, and Rapid Access to Cash
Specialized Commercial Loans | Hard Money & Portfolio Options?
Straightforward Business Financing
Whether you’re an experienced business owner or just launching your first venture, you know that having reliable working capital is essential for growth and long-term success.
At Crestico, we not only help match you with the right loan program for your specific needs, but we also guide you through every step of the process. Our team reviews your application with you, ensuring all details are complete so you can secure financing quickly and with confidence.
Through our extensive lending network, we partner with financial institutions that specialize in small business loans, offering a wide range of options, including:
- SBA Loans
- Equipment Financing
- Asset-Based Loans
- Revenue-Based Financing
- Startup Loans
Qualification
Even if you have a poor credit history, your business can still qualify. Companies with strong performance and healthy revenue may be approved for financing despite past credit challenges.
Approval
Get a decision on your application within 24 hours, with funds often deposited the same day. Unlike banks, which typically take 4–6 weeks, Crestico delivers fast, reliable business financing.
Application
Applying is simple—just provide a short application along with six months of bank or credit card statements. No lengthy business plans are required, making the process fast, easy, and hassle-free.
Renewal
For clients in good standing, the renewal process is quick and hassle-free—often completed within just 2–3 hours, allowing you to access additional funds without unnecessary delays.
No Collateral
Approval is based solely on the financial health of your business. No personal collateral is required, making it easier for you to secure funding while keeping your personal assets protected.
Payments
Repay your funds through small, manageable daily, weekly, or monthly installments—unlike traditional banks that often require large lump-sum payments, putting unnecessary strain on your business’s cash flow.
Easy Application
Applying is quick and convenient—our simple online application takes only about 3 minutes to complete. Get started right away and move one step closer to securing the funding your business needs.
Receive an Offer
Once we receive your documentation, you’ll get a funding offer within 24 hours. Our fast review process ensures you don’t waste time waiting weeks like with traditional banks.
Accept Your Loan
Once you accept your loan, our specialists will guide you through the next steps, helping you fully understand your financing options and ensuring you choose the solution that best fits your business.
Receive Funds
With only minimal documentation required, you can receive funds directly into your account the very same day you accept the offer—giving your business fast access to the capital it needs.
Small Business Administration (SBA) Loans
The Small Business Administration (SBA) provides a wide range of loan programs designed to help small businesses access affordable financing. While the SBA itself does not lend money directly, it offers a federal guarantee to approved lenders. This guarantee reduces the risk for lenders, allowing them to extend credit with more flexible terms, including lower down payments and longer repayment periods.
One of the most widely used programs is the SBA 7(a) Loan, created to help both new and existing businesses secure financing for a variety of purposes. Funds from this program can be used for:
Working capital to support daily operations
Purchasing machinery, tools, and equipment
Acquiring or refinancing commercial real estate
In addition, the SBA Paycheck Protection Program (PPP) provides another option for businesses in need of support. This program features a fixed 1% APR, deferred payments for up to 10 months, and potential loan forgiveness for qualified borrowers.
With SBA-backed loans, Crestico helps small business owners gain access to reliable financing solutions that encourage growth, stability, and long-term success.