Financing for other established small businesses
If your business has been operating for years and you do not see your industry listed, you may still be a candidate. We help you review your case and identify which of the two paths fits.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Equipment, machinery and technology
- Inventory and working capital
- Expansion or another location
- Hiring and payroll
- Marketing and business development
OWN™ — buy the building where you operate
The logic holds in almost any trade: while you rent, every improvement and every year of local customers builds your landlord\u2019s equity. Buying the property where you operate fixes your occupancy cost and turns that payment into an asset of your company.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and how steady your revenue is across the year. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
Frequently asked questions
How do I know whether my industry is eligible?
Each program has its own criteria. Tell us about your business and we review eligibility before any file goes out.
What makes a good candidate?
Reference guidelines include three or more years in operation, personal FICO of 650 or above, SBSS of at least 165, current debts, a minimum 1.25x DSCR and no bankruptcy in seven years.
Which path fits me?
GROW\u2122 is for investing in the growth of the business; OWN\u2122 is for buying the property where you operate. Many owners use both at different stages.
Does CapitalBUENO make the loan?
No. We provide capital advisory and business intelligence and work with financial institutions; the credit decision belongs to the lender.
Related uses of capital
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.
Learn more
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.
Learn more
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.
Learn moreIndustries
- Accounting & tax
- Agriculture
- Auto dealerships
- Automotive care
- Broadband
- Dental practices
- Educational services
- Fitness centers
- Franchise restaurants
- Franchises
- Funeral homes & crematories
- Government contracting
- Hardware stores
- Healthcare
- Home care
- HVAC & plumbing contractors
- Insurance agencies
- Investment advisory
- Law firms
- Managed service providers
- Pet care facilities
- Pharmacies
- Professional services firms
- Property management
- Restoration, remediation & cleaning
- RV parks
- Self-storage
- Veterinary clinics
Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.