A bank gives you an answer. As your loan broker, I give you options.
I’m Kevin Kermeen, a nationwide commercial loan broker with 200+ capital partners. I review every file personally and match you to the program that fits — Don’t Beg the Bank!
Apply for Business Funding | 75BizLoans
Tell me what you need. I’m a commercial loan broker — I match your file to the right program and stay with you through funding.
Over 200+ Capital Partners
Rather talk first? (480) 915-8690 · Arizona Time
Simple Process, No Wasted Time.
Quick Conversation
Send Your Documents
Approval
Funding
Apply for Business Funding
Quick pre-qualification. I personally review every submission — no call center, no junior rep.
Got it. I’ll be in touch shortly.
I like to start with a phone conversation so I know how I can understand your situation and help you best. After we talk, I’ll send you an email with the loan intake form and checklist of documents you will need to start compiling.
I’ll reach out to you during my normal business hours (7am-6pm Arizona Time) from my number (480) 915-8690.
Need to talk asap? Call me at (480) 915-8690
Best Regards,
Kevin Kermeen
75BizLoans.com
Direct: (480) 915-8690
Email: Kevin@75BizLoans.com
Subject to credit approval. Terms vary. This is not a commitment to lend.
75BizLoans.com is a commercial loan brokerage. Kevin Kermeen is a nationwide commercial loan broker — not a lender. All loans subject to credit approval. Terms vary by program and borrower. This is not a commitment to lend.
SBA loan programs: sba.gov/funding-programs/loans.
When Apply Make Sense
Owners look at apply when revenue is real but cash is late. Payroll hits. Vendors want deposits. Customers pay on their schedule, not yours.
I place apply with capital partners who understand the file. Perfect paper helps. A clear use of funds and a repayment path matter more.
Apply can cover equipment, inventory, payroll float, build-outs and slow receivables when the ask is specific.
If a bank stalled you, apply through specialty capital can still fit. Don’t Beg the Bank!
Call Kevin (480) 915-8690 to discuss your situation, 7 days a week (Arizona Time).
I get paid by the lender at closing. Every fee is explained and disclosed before you commit on apply.
Unsecured Loans When Collateral Is Thin
Unsecured loans fit when the ask is clear and personal credit plus deposits support the file.
I place unsecured loans beside other tools so one product is not forced to solve every gap.
Business Line of Credit for Repeat Float
A business line of credit helps when the next few cycles each need a short float. Draw, repay, redraw.
I like a business line of credit beside a term loan when one need is a lump sum and the pipeline needs flexibility.
Equipment Financing That Protects Cash
Equipment financing should not empty the account you need for labor. Hard assets can sit on a dedicated structure.
I underwrite equipment financing around useful life and demand, including used gear when the numbers work.
Term Loan for a Clear One-Time Ask
A term loan fits a defined use: equipment gap, build-out, acquisition cash or a clean refinance of expensive short money.
I match term loan length to how fast the investment should pay back. Documents first, then speed.
How These Programs Compare to Bank Lines
Bank lines freeze when you need them. Private capital for apply is built for speed and real operating data.
Approvals still depend on credit, time in business and bank statements. Nothing here is instant or guaranteed.
On business loans, owners are normally approved in 4 hours to 3 days once your application and all documents are in. Select programs can move in 24–72 hours.
A bank gives you an answer. As your loan broker, I give you options on apply across the stack that fits.
I qualify honestly before I send a file, then I call you directly. I never text.
What I Need From You on the First Call
Have a plain story ready: what the money covers this month, what already works in the business, and what a bank already asked for.
Bring recent deposits activity, a simple list of debts and any contract, lease or inventory note that supports the ask.
Clean files move faster than perfect files that never get sent. Honesty on fit beats a fake green light.
I give you a same-day callback when you reach me. Funding speed still depends on the partner, your credit, the business and the documents in hand.
Subject to credit approval. Terms vary. This is not a commitment to lend.
Internal Paths Worth Bookmarking
unsecured loans · unsecured term loans · unsecured line of credit · 0% business credit cards · working capital loans · equipment financing · invoice factoring · SBA loans · SBA 7(a) loans · SBA 504 loans · commercial real estate loans · contact me
Useful references: SBA loan programs · Census Economic Census · BLS Current Employment Statistics · USA.gov business
More Straight Answers Before You Apply
When does unsecured loans make more sense than a bank line?
Unsecured Loans wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop unsecured loans?
Application, recent bank statements and a plain use-of-funds note. Then I match unsecured loans to fit partners.
When does business line of credit make more sense than a bank line?
Business Line of Credit wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop business line of credit?
Application, recent bank statements and a plain use-of-funds note. Then I match business line of credit to fit partners.
When does equipment financing make more sense than a bank line?
Equipment Financing wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop equipment financing?
Application, recent bank statements and a plain use-of-funds note. Then I match equipment financing to fit partners.
When does term loan make more sense than a bank line?
Term Loan wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop term loan?
Application, recent bank statements and a plain use-of-funds note. Then I match term loan to fit partners.
How fast can apply get a decision?
I do not promise instant decisions. Timing depends on the program and a complete file for apply.
What should I send to start apply?
Application, recent bank statements, a short use-of-funds note and any quote or contract that supports apply.
Are apply only for one niche?
No. Apply serve operators nationwide when the use of funds and repayment path are clear.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.