Loan Programs
Loan Programs
- SBA 7 (a) Loans
- Bridge Loans
- Equipment Finance
- Term Loan
- Commercial Real Estate
- Microloans
- Business Line of Credit.
- Debt Consolidation
SBA 7 (a) Loans
The 7(a) Loan Program, SBA’s primary business loan program, provides loan guarantees to lenders that allow them to give financial help to small businesses with special requirements. 7(a) loans can be used for:
What is a 7(a) loan?
- Acquiring, refinancing, or improving real estate and buildings
- Short- and long-term working capital
- Refinancing current business debt
- Purchasing and installation of machinery and equipment, including AI-related expenses
- Purchasing furniture, fixtures, and supplies
- Changes of ownership (complete or partial)
- Multiple-purpose loans, including any of the above
The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Your lender will help you determine which type of loan best suits your needs.
Bridge loans
A merchant cash advance, or MCA, is an alternative type of business financing and is not a traditional small-business loan. With an MCA, a company gives you an upfront sum of cash that you repay using a percentage of your debit and credit card sales plus a fee.
EQUIPMENT FINANCE
Equipment financing refers to a credit facility that helps you finance all the equipment and machinery-related needs of your business. Using machinery loans you can buy, lease, upgrade or repair equipment quickly.
TERM LOAN
A term loan provides borrowers with a lump sum of cash upfront in exchange for specific borrowing terms. Borrowers agree to pay their lenders a fixed amount over a certain repayment schedule with either a fixed or floating interest rate.
Real Estate Commercial Loan
A commercial real estate loan is a mortgage secured by a lien on commercial property as opposed to residential property. Commercial real estate (CRE) refers to any income-producing real estate that is used for business purposes; for example, offices, retail, hotels, and apartments.
MICRO LOAN
Microlending is the process of connecting a borrower and a lender for a non-traditional, smaller loan. A borrower usually uses microloans if they do not have access to local financial institutions, if they have poor credit, or if they want a loan smaller than what their bank will allow.
BUSINESS LINE OF CREDIT
Like a small business loan, an unsecured line of credit provides a business with access to money that can be used to address any business expense that arises. Unlike a small business loan, however, there’s no lump-sum disbursement made at account opening that requires a subsequent monthly payment
Debt Consolidation
At Wall Street Capital Lending, we offer a comprehensive Debt Consolidation service to help streamline your finances. Our team works with you to combine your existing debts into one manageable loan, reducing your monthly payments and interest rates. Whether you’re dealing with personal or business debt, we provide tailored solutions designed to simplify your financial obligations and give you the relief you need.
