Commercial Loan Programs

For more than 40 years, Market Capital Lending has matched business owners and investors to the right financing — part of the $375 million+ we've funded across our history, for clients from metro Atlanta to 46 states nationwide. As a veteran-owned lender and brokerage with a network of 40–50 lenders, we cover nearly every commercial need. Below are the programs we arrange; choose the one that fits your deal, or tell us what you need and we'll point you to the right one.

Real estate financing

• SBA Loans — Government-backed 7(a) and 504 financing with lower down payments and longer terms for qualifying businesses.
• Commercial Real Estate Loans — Purchase or refinance office, retail, mixed-use, industrial, and warehouse properties; cash-out available.
• Multifamily & Apartment Financing — Loans for 5+ unit rental properties, from small buildings to large portfolios and agency products.
• Construction Loans — Ground-up development financing with a clear path to permanent financing.
• Bridge Loans — Short-term financing to bridge a gap between transactions or while a property is stabilized.
• Hard Money Loans — Asset-based lending focused on collateral value, with fast, flexible underwriting.
• Fix & Flip — Short-term financing for investors buying, renovating, and reselling — structured on after-repair value.
• Subdivision & Infill Development — Financing for developers building multiple units on subdivided or infill land.
• Vacation Rental Financing — DSCR-style loans underwritten on short-term rental income.
• Acquisition Loans — Financing to purchase an existing business, portfolio, or income-producing asset.

SBA & agency loan programs

• SBA 7(a) Loans — The SBA's most flexible program: business acquisition, owner-occupied real estate, equipment, and working capital in one loan.
• SBA 504 Loans — Long-term, lower-down-payment financing for owner-occupied commercial real estate and major equipment.
• USDA B&I Loans — Guaranteed financing for eligible businesses in qualifying rural areas.
• DSCR Loans — Qualify an investment property on its rental cash flow rather than personal income.
• CMBS / Conduit Loans — Long-term, often non-recourse financing for stabilized income-producing property.
• Fannie Mae Multifamily — Agency financing for stabilized apartment properties, including small-loan executions.
• Freddie Mac Small-Balance — Streamlined agency financing for smaller apartment loans.

Business & specialty financing

• Small Balance Loan Program — Streamlined commercial financing for smaller deals, typically under $5M.
• Commercial Equipment Financing — Fund machinery, vehicles, and equipment with the equipment as collateral — no real estate required.
• Business Line of Credit — A revolving facility for cash-flow management and opportunistic moves.
• Hotel Financing — SBA and conventional loans for limited-service, full-service, extended-stay, and boutique hotels.
• Convenience Store Financing — Acquisition, construction, and refinancing for C-stores, including fuel infrastructure.
• Medical & Practice Financing — Financing for doctors, dentists, veterinarians, and other practitioners, based on practice income.

Owner-occupied & special-use business financing

Special-use, owner-occupied businesses are a core focus — and a great fit for SBA financing, because the SBA can fund the real estate, the equipment, and the business goodwill together, where conventional banks often won't.

• Gas Station Financing — Buy, build, or refinance fuel-and-convenience businesses, including pumps, C-store, and goodwill.
• Daycare & Childcare Financing — SBA financing for childcare centers, including startups and franchises with higher leverage.
• Mechanic Shop Financing — Auto repair shops: real estate, bays, equipment, and goodwill.
• Self-Storage Financing — Acquire, build, or refinance storage facilities, underwritten on occupancy and income.
• Dental Practice Acquisition — SBA financing to buy a dental practice, fund a partner buyout, or acquire equipment and real estate.
• Warehouse & Industrial — Owner-occupied and investment warehouse and industrial property financing.
• Car Wash Financing — Express, tunnel, and self-serve car washes: real estate, equipment, and goodwill.
• Laundromat Financing — Buy, build, or re-equip a laundromat, including machines and goodwill.
• Restaurant & Franchise Financing — Build-out, equipment, and goodwill, with higher leverage for franchise startups.
• Veterinary Practice Financing — SBA financing to buy a practice, fund a buyout, or acquire equipment and real estate.
• Senior Housing & Assisted Living — SBA, conventional, and agency financing for senior care facilities.

Don't see an exact match?

We also arrange no-doc commercial loans for strong-equity borrowers and large-scale financing well into eight figures. Curious about pricing? See our commercial loan rate guides. Whatever your situation, start a conversation — chances are we have a lender for it.