About Kevin Kermeen … Nationwide Commercial Loan Broker Funding $10K to $100M at 75BizLoans.com
Most businesses don’t fail. They run out of cash first.
I am Kevin Kermeen, a nationwide commercial loan broker. I teach business owners and real estate investors how to grow with other people’s money… from $10,000 in working capital to $100 Million in real estate. Working capital approved in 24-72 hours. Real estate term sheets in 3-5 days. Stop filling out the bank’s forms and waiting. Don’t Beg the Bank!… call me direct.
Apply Now 📞 Call Kevin: (480) 915-8690
Let me challenge something you were taught about money
You were told to be responsible. Save up. Self-fund. Wait until you can afford it. Grow slow and steady on your own cash. That advice is quietly killing your business.
Here is what actually happens to the owner who self-funds: payroll comes due before the receivables land. The contract that would have changed everything needs equipment you cannot buy yet. The perfect building sells to someone who could close in 30 days while you were still saving for the down payment. The idea was never the problem. You just ran out of cash before the business had time to win.
Now look at how the wealthy actually operate. They do not bleed their own cash to grow. They build with other people’s money and keep their own cash as the cushion that keeps them alive when things get tight. Leverage is not their last resort. It is the entire strategy.
The bank will never teach you this, because the bank profits when you stay small, slow, and dependent. Cash flow is everything. Capital deployed at the right moment is not debt… it is the bridge that carries your business across the gap to profitability. The contractor who stops renting and buys the shop. The investor who goes from one flip to ten. The operator who pulls a line of credit and never sweats payroll again.
That is what I do. I am not here to sell you a loan. I am here to hand you the playbook the bank hoped you would never read. Don’t Beg the Bank!
Four ways I put other people’s money to work for you
Every business is at a different stage. Here is how I match the right capital to where you are right now… from your first $10,000 to your first $100 Million.
Working Capital, Lines of Credit and Equipment Financing
From $10,000 24-72 Hour Approval and FundingThis is oxygen. When payroll hits before the invoice clears, when a job needs a truck or a machine to even start, when you want a revolving line you can draw on the moment cash gets tight… this is the capital that keeps you breathing and growing. Most files are approved and funded in 24 to 72 hours. No begging required.
Explore working capital and lines of creditCommercial Real Estate Financing
$150,000 to $100 Million 3-5 Day Term Sheet • 21-30 Day FundingStop renting your future. I finance multi-family apartment complexes, new builds, ground-up development, warehouses, offices, flex buildings, strip malls, and office condos. Plus owner-occupied bridge loans, mezzanine financing, and term loans from 5 to 30 years. Speed wins deals… term sheet in 3-5 days, funding in 21-30. While they wait on the bank, you close.
Explore commercial real estate financingInvestment Property Financing
$150,000 to $100 Million 3-5 Day Term Sheet • 21-30 Day FundingThis is how investors compound. I fund residential and commercial fix-and-flips, new builds, development, buy-and-hold rentals, and the full BRRRR strategy. Property-driven underwriting that scales with your portfolio, not your W-2. Term sheet in 3-5 days, funding in 21-30, so you close while the other guy is still filling out the bank’s forms.
Explore investment property financingSBA Loans
Up to $5.5 Million 45-60 Day FundingEvery rent check you write is a deposit into your landlord’s retirement, not yours. SBA loans up to $5.5M are the smartest, lowest-cost way to flip that. Powerful for working capital and for buying the owner-occupied commercial real estate you are currently renting. Own the building, control your costs, and build equity that is finally yours.
Explore SBA loan programsI just raised my ceiling to $100 Million
I signed a new capital partner that lets me fund commercial and investment real estate up to $100 Million.
Here is why that matters to you, even if your deal is smaller. It means I am no longer just a small-business broker… I am a capital partner who scales as you scale. The investor who starts with a single $200,000 fix-and-flip can grow with me to a $40 Million development. The operator who takes a $10,000 line of credit today can come back for a $20 Million owner-occupied headquarters tomorrow. Same broker. Same direct phone line. Bigger runway.
You do not outgrow me. We grow together.
Start the ConversationReal Deals I Recently Funded
I do not show you stock-photo testimonials. I show you the deals I just funded… real dollar amounts, real industries, real timelines. This feed pulls automatically from my Just Got Funded blog so you always see my most recent closings:
Why I Beat the Bank… Every Time
The traditional bank model is built for the bank, not for you. Here is the math, side by side:
The Traditional Bank
- 60-90 day underwriting cycle on real estate… while your deal dies
- One credit box… if you miss it, you are denied
- Junior loan officer with no authority
- Mountains of docs, projections, guarantees, full appraisals
- Industry restrictions (most banks will not touch trucking, restaurants, fix-and-flips, development, or startups)
- You chase them. They do not call you back.
Working With Me
- 24-72 hour approval on working capital. 3-5 day term sheets on real estate
- $10K to $100M capacity… I scale as you scale
- 75+ lender network plus a $100M capital partner
- You get me, the broker, on the phone… not a call center
- Stated income, bank-statement, and DSCR programs available
- I call you back. Same day.
Who I Work With
I fund deals from $10,000 to $100 Million across every major industry and all 50 states. If you are running a real business or investing in real estate and you need capital the bank cannot or will not provide on your timeline, I am your broker.
By Industry
Funding programs for restaurants, construction, trucking, medical practices, MedSpas, manufacturing, auto repair, service contractors, hospitality, and real estate investors.
By Loan Type
I broker SBA loans, commercial real estate, investment property loans, equipment financing, business lines of credit, A/R financing, merchant cash advance, middle market lending, and startup funding.
By State
I serve all 50 states. High-volume markets include Arizona, California, Texas, Florida, New York, and Oklahoma. See all states.
How I Work… The 4-Step Process
You Call or Apply
You call me at (480) 915-8690 or submit the short form on my contact page. I personally review every file.
I Match You to the Right Capital
I do not shotgun your file to 20 lenders and tank your credit. I send it to the lenders I know will approve based on industry, deal type, and profile.
You Get Your Terms
Working capital approvals in 24-72 hours. Real estate term sheets in 3-5 days. I negotiate on your behalf and walk you through every line.
You Get Funded
Working capital can fund in as little as 24 hours. Real estate funds in 21-30 days. SBA in 45-60. I tell you the real timeline on day one.
About Me, Personally
I have spent most of my career on the business owner side of the table. Most loan advisors and brokers have never signed the checks that employees depend on. I have. I have started businesses, built them, and successfully exited them. I valued companies as the owner of a business brokerage firm I founded and sold. And I have been a real estate broker and owner of my own residential, commercial, farm, development, and new-construction brokerages across Nebraska, Iowa, and Arizona.
So when I look at your deal, I am not reading it like a banker. I am reading it like an owner who has met payroll when money was tight, closed deals that had to fund on time, and knows exactly what a denial letter costs. I built 75BizLoans.com because I watched too many good owners and investors get steamrolled by bank bureaucracy and starved of the cash that would have carried them to profitability.
I am based in Arizona, and I broker capital nationwide. I am not a 1-800 call center. When you call (480) 915-8690, you get me.
I learn your business, I learn your goals, and I find capital that fits. According to the FDIC and the Federal Reserve Small Business Credit Survey, less than half of small business applicants get fully approved by traditional banks. I am the answer to that gap.
Frequently Asked Questions About Working With Me
How much can you fund?
From $10,000 in working capital up to $100 Million in commercial and investment real estate. I recently signed a new capital partner that raised my real estate ceiling to $100M, so I scale as your deals scale.
How fast can you actually fund?
Working capital, lines of credit, and equipment: approval and funding in 24-72 hours. Commercial and investment real estate: term sheet in 3-5 days, funding in 21-30 days. SBA loans: 45-60 days. I tell you the realistic timeline on day one.
What is the “other people’s money” approach?
Smart operators do not drain their own cash to grow. They use financing strategically as a bridge to profitability… a line of credit for payroll gaps, equipment financing to take bigger jobs, real estate leverage to build equity. Your own cash stays as the cushion that keeps you alive. That is how the wealthy build, and it is how I help you build. Don’t Beg the Bank!
Are you a bank or a direct lender?
Neither. I am a commercial loan broker with 75+ lenders and a $100M capital partner. A bank has one credit box. I find the lender most likely to say yes based on your industry, credit, time in business, and collateral. The lender is the vendor. You are my client.
Can SBA help me stop renting my shop or office?
Yes. SBA loans up to $5.5M are one of the best tools for buying owner-occupied commercial real estate. Instead of paying down your landlord’s mortgage, you own the building, control your costs, and build equity that belongs to you.
Do you finance fix-and-flips, development, and BRRRR investors?
Yes. Residential and commercial fix-and-flips, new builds, ground-up development, buy-and-hold, and the full BRRRR strategy, from $150,000 to $100 Million. Property-driven underwriting. Term sheet in 3-5 days.
What does it cost to work with you?
Nothing up front. I am paid by the lender at closing. You pay no application fees and no broker fees out of pocket. Your costs are the standard origination and lender fees disclosed up front in your offer.
Your business runs on cash flow. Don’t Beg the Bank!
From $10,000 to $100 Million. Working capital approved in 24-72 hours. Real estate term sheets in 3-5 days. Same-day callback. Real broker. Real answers.
Apply Now 📞 Call Kevin: (480) 915-8690