Loan Options We Offer at SQR Financial

Below is a detailed overview of all funding solutions available through SQR Financial, each linking to its own dedicated page.

Perfect for businesses looking to invest in major fixed assets, such as real estate, heavy equipment, or large renovations. The SBA 504 program offers long-term financing through a partnership between a lender and a Certified Development Company (CDC).

It requires a lower down payment (as little as 10%), making it easier for businesses to grow without exhausting cash reserves. Best suited for capital-intensive industries or companies acquiring commercial property.

– Real estate purchases
– Construction or build-outs
– Equipment purchases
– Land acquisition
– Facility improvements

This is a classic fixed-term loan where you borrow a lump sum and repay it over a set period with fixed interest. It’s ideal for larger purchases, growth initiatives, or consolidating higher-interest debt.

Terms can range from 6 months to 5 years. Predictable repayment makes it a strong choice for business owners who want certainty and control in their budgeting.

– Business expansion
– Equipment upgrades
– Debt consolidation
– Working capital
– Leasehold improvements

Whether you’re buying a delivery van, industrial machinery, or new computers, equipment financing helps you acquire assets while spreading payments over time.

The equipment itself serves as collateral, meaning lower qualification barriers and reduced risk for the lender. A great fit for construction, logistics, medical, and manufacturing businesses.

– New or used equipment purchases
– Lease buyouts
– Technology upgrades
– Vehicle or machinery acquisition
– Equipment repairs or replacements

Real-World Uses of Business Loans

Here’s how small business loans can be applied to real growth strategies—not just in theory, but in actual practice:

Launching a New Product or Business Venture

Getting a new idea off the ground requires startup capital for R&D, marketing, hiring, inventory, and technology. Business loans (especially credit stacking or term loans) can give you the initial funding needed to validate your concept, establish operations, and go to market—without giving up equity to investors.

Hiring Employees and Training Staff

As your business grows, so does your need for skilled labor. Loans like business lines of credit or term loans help cover payroll, recruitment, and onboarding costs. Training your team not only enhances productivity but also builds long-term capacity—essential for sustainable scaling.

Purchasing Equipment, Inventory, or Vehicles

Whether it’s forklifts, medical devices, restaurant equipment, or inventory for resale, financing lets you spread the cost without freezing cash flow. Equipment financing or an SBA 504 loan is ideal here, as you can secure long-term capital tied directly to your business assets.

Expanding or Renovating Business Locations

Opening a second location? Renovating your current shop? These upgrades are capital-intensive but offer significant ROI. SBA 7(a) and SBA 504 loans are designed for real estate and build-out costs, offering extended repayment periods and favorable rates to ease the burden.

Bridging Short-Term Cash Flow Gaps

Every business faces cycles where receivables lag behind expenses. A business line of credit or invoice factoring can provide a flexible cushion to meet payroll, cover utilities, or fund short-term operations without dipping into reserves or personal funds.

Taking Advantage of Market Opportunities

Sometimes a discounted bulk inventory purchase or seasonal sales spike comes with a tight window. Fast-acting products like a merchant cash advance or express loan help you act quickly without lengthy application processes—allowing you to capitalize on time-sensitive opportunities.