Capital for established business owners

Grow with capital. Stop renting. Build ownership.

CapitalBUENO™ helps established business owners access two financial opportunities: capital to grow their business or financing to purchase the building where they operate.

I want to buy my building

CapitalBUENO™ provides business capital advisory and intelligence services. We work with financial institutions. We do not offer debt relief, debt settlement or credit repair.

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Public data

Thousands of businesses have already bought their building with the SBA.

These are public SBA figures on loans approved by participating lenders across the country. They show the landscape before you take the step.

approved SBA loans 432,916
504 loans for real estate 48,778
states with approved loans 50

Source: SBA public 7(a) and 504 loan data, FY2020–FY2026 (through June 30, 2026). CapitalBUENO was not necessarily involved in these loans.

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Put capital to work

Whatever "next" looks like for you.

Your business has already proven it can operate. Now it may be time to invest in what comes next.

Uses of capital
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Buy your business building

Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.

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Business debt refinancing

When debt payments squeeze your cash flow, growth gets hard. Restructuring that debt over a longer term can lower your monthly payment and give you room to operate.

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Buy a business

Buying a business that already works gives you customers, staff and cash flow from day one. SBA financing can cover the acquisition and, when it applies, the building too.

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Equipment and technology

The right equipment lets you serve more customers, work faster and offer new services. With working capital you can invest in it without draining your operating account.

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Inventory and materials

Running out of stock in your best season means losing sales you already had. With working capital you can buy ahead, take advantage of volume discounts and say yes to large orders.

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Business improvements

A renovated space attracts customers, improves their experience and helps you work better. With working capital you can make those improvements without slowing down daily operations.

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Expansion

If your business has outgrown its space or customers are asking for you in another area, it may be time to grow. Working capital helps you take that step with a long-term repayment plan.

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Marketing and customer acquisition

A good business needs more people to know about it. With working capital you can invest in marketing consistently, not only when there's money left over.

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Hiring and workforce growth

When you have more work than you can handle, hiring is how you grow. Working capital helps cover the first months while your new team gets up to speed.

Learn more
Talk to a person, in English or Spanish.
Does your business qualify?

You may be a candidate if you have the basics.

Answer a few questions to see where your business stands. No obligation.

  • Three or more years in operation

    An established operating history

  • Personal FICO of 650 or above

    For the applicable guarantor(s)

  • Minimum SBSS score of 165

    Small business credit score

  • Personal and business debts current

    No arrears at the time of application

  • Repayment capacity with a minimum DSCR of 1.25x

    To support existing obligations and the new financing

  • No bankruptcy in the last seven years

    For the business and its owners

Reference guidelines for GROW™. Additional credit, eligibility, ownership and lender requirements may apply.

Two paths for your next stage.

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GROW™

Growth capital

For businesses ready to invest, expand and capture a growth opportunity.

  • Up to $350,000
  • No specific personal collateral required
  • Funds deposited quickly, subject to approval
Lit storefront of a Latin restaurant at dusk

OWN™

From rent to ownership

For owners ready to purchase the building, retail space, office, warehouse or facility where their business operates.

  • Up to $5 million or more
  • Potential financing of up to 100%
  • Target closing timeline of 45–60 days
Compare

Which one fits?

OWN™ · From rent to ownership GROW™ · Growth capital
What it funds The building, retail space, office or warehouse where you operate Equipment, inventory, hiring, marketing and expansion
Amount Up to $5 million or more Up to $350,000
Financing Up to 100% potential No specific personal collateral
Terms By program and lender Up to 10 years, no prepayment penalty
Timing Target closing of 45–60 days Fast-track funding process

Not sure? The first question of the pre-qualification asks what you need.

GROW™ · Growth capital

How much do you need?

Move the slider to the amount you have in mind. We review it with you before anything goes to a lender. No obligation.

I want to buy my building
$150,000
  • Up to 10 years to repay
  • No penalty for paying early
  • No collateral specific personal collateral

The amount is a reference only. The lender sets approval, rate and terms.

How it works

A simple path to capital.

  1. 01

    Explore your options

    Tell us about your business, your plans and how much capital you are seeking.

  2. 02

    Initial qualification

    We review the basics to see whether your case appears to meet program guidelines.

  3. 03

    Complete your application

    Qualified businesses complete the lender application and documentation.

  4. 04

    Lender review & approval

    The lender makes all credit and funding decisions.

  5. 05

    Put your capital to work

    Approved transactions are funded quickly, subject to lender approval.

Your advisor

Talk to a person, in English or Spanish.

Armando James Collazo, CEO and founder of The Bueno Group, walks you through your options and prepares your file for the lender.

Frequently asked questions

Answering your questions

Can I buy the building I currently rent?

In many cases, yes. Owner-occupied financing is designed precisely so business owners can purchase the property they occupy. Find out if your business qualifies by taking the questionnaire.

Do I need a large down payment?

Programs are structured to require less down payment than a traditional commercial loan, preserving your operating capital. Terms and conditions of the financing programs apply.

How long does the process take?

It varies based on your situation and available documentation. When we review your case we give you a realistic estimate.

What kinds of businesses can qualify?

Established businesses operating from a commercial location across a wide variety of industries. The questionnaire helps us assess your eligibility.

Can I buy a business along with the building?

Yes. It is possible to finance the acquisition of the business and the property in a single structure. We review this with you when we look at your case.

Can I refinance existing debt?

In many cases it is possible to restructure debt to improve your cash flow. Terms and conditions of the financing programs apply.

Ready for your next stage of growth?

You've paid enough rent.

Find out what your business may qualify for: a building of your own, working capital, or both.

All financing is subject to approval, financial analysis and lender terms.