Specialized Loans
Financing built for a specific industry or purpose, from real estate to acquisitions to franchises.
- Real estate
- Up to ~75–90% of value; 10–25 yr terms
- Acquisitions
- Often SBA 7(a), up to $5M, 10 yrs
- Purchase orders
- Up to ~80–100% of supplier cost
- Inventory
- ~50–80% of inventory value
- Funding speed
- Weeks, depending on the deal
Typical market ranges, not a quote. Actual amounts, rates and terms depend on the lender and your business profile.
How specialized loans work
Some funding needs don't fit a general business loan. Specialized loans are structured around a particular purpose or industry, with terms and requirements designed for it.
Because the lender understands the asset or industry, these programs can offer better terms than a general-purpose loan for the same need.
Common options
Commercial real estate
Buy, refinance or improve owner-occupied or investment property.
Business acquisition
Finance the purchase of an existing business or a partner buyout.
Franchise financing
Funding for franchise fees, build-out and startup costs.
Inventory & purchase order financing
Funding to buy inventory or fulfill large customer orders.
Medical & professional practice
Programs for practices such as dental, medical and veterinary offices.
Best for
- A clearly defined purchase or project
- Industries with dedicated lending programs
- Buying property or another business
- Large orders you need capital to fulfill
What lenders look at
- The asset, project or deal being financed
- Industry experience
- Cash flow and financial statements
- Down payment or owner investment
- Credit history
Frequently asked questions
How do I know which specialized loan fits?
Tell us what you're financing. We match the purpose to the programs and lenders built for it.
Do specialized loans require a down payment?
Many do, especially for real estate and acquisitions. The amount depends on the program and the deal.
Can these be combined with SBA programs?
Often, yes. SBA 7(a) and 504 are commonly used for real estate and business acquisitions.
Find the right specialized loans for your business
Answer a few quick questions and a funding specialist will match you with the options that fit your business.