Commercial Business Loans, Nationwide… $10K to $100M
You found the deal. Now you need the money… fast. Every type of commercial business loans I offer lives on this page. I am Kevin Kermeen, a real business owner, not an ex-banker reading a script… and I move at the speed your deal actually needs.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
This is not just a clever line, it is how banks actually behave with commercial business loans. The Federal Reserve’s latest Small Business Credit Survey found that rising costs and uneven cash flow are the top financial challenges owners face today… exactly the storms when a bank pulls the umbrella back. Cash flow is oxygen. Most businesses don’t fail on a bad idea… they run out of cash, because the bank took 60 to 90 days to say maybe on a routine request for commercial business loans, and the moment had already passed.
That is the entire reason I exist. I match you to commercial business loans funded with other people’s money so your own capital stays free to grow. Whatever you are trying to do… buy property, buy equipment, cover a gap, scale a team, refinance a balloon… there is a commercial business loans program below built for it. And I move at the speed your deal actually needs.
A Real Owner Behind Your Commercial Business Loans, Not a Call Center.
I am not an ex-banker. I have owned the businesses and the real estate brokerages, so I understand your deal from your side of the table. When you call, you get me… one person who answers the phone, knows your file, and has a lender network deep enough to fund commercial business loans from $10K to $100M across all 50 states.
Banks make you fit their box. I find the program and the lender that fit you. I just signed a capital partner that takes my ceiling to $100M, so the size of the deal is rarely the problem. The speed is the difference, and it is why the right commercial business loans close in days with me, not months.
Every Type of Commercial Business Loans I Offer
Twelve loan programs, one direct line to me. Tap any program for full details, ranges, timelines and how to apply. If you don’t know which one fits your deal, start with Small Business Loans or call me direct and I will route you.
Government-backed financing with low rates and long terms. 7(a), 504, Express, Startup, Microloans, CAPLines, Made in America and Export.
View program →Multi-family, warehouse, office, retail, flex and owner-occupied. Term sheet in 3-5 days, close in 15-30.
View program →DSCR, fix and flip, BRRRR, new build and buy and hold for real estate investors who need to move fast.
View program →Short-term capital to close a property or a gap fast, then refinance into permanent financing. Owner-occupied and investment.
View program →New or used equipment funded fast. Collateralized AND revenue-based paths, so I can fund even when the equipment is not the security.
View program →Fast cash to cover payroll, inventory, marketing or a growth push. Funds in as little as 24-72 hours.
View program →Flexible revolving capital you draw only when you need it. Pay interest only on what you use.
View program →Turn unpaid invoices into same-week cash. Built for trucking, staffing, manufacturing and construction.
View program →Fixed-term, fixed-payment financing for expansion, acquisition or balance-sheet projects. Predictable amortization.
View program →Capital to open or expand a franchise location, often paired with an SBA structure for better terms.
View program →Early-stage capital options for founders who need fuel before the revenue history is deep. SBA Startup and signature paths.
View program →Not sure which program fits? Start here and I will route you to the fastest path to funding for your situation.
View program →Commercial Business Loans Built Around Your Industry
The right program is half the answer. The other half is matching the lender to how your industry actually makes money. Commercial business loans for a trucking fleet do not look like commercial business loans for a dental practice. Pick your industry below and see the specific structures and timelines I use for businesses like yours.
Trucking fleets, owner-operators, repair shops, towing, EV charging.
View industry →Dispensary, cultivation, wholesale and cannabis real estate in licensed states.
View industry →GCs, subs, equipment, jobs in progress and payroll between draws.
View industry →Medical, dental, veterinary, urgent care, imaging and senior care.
View industry →Flagged hotels, boutique, motels, resorts, acquisitions and PIP renovations.
View industry →Equipment, facility, reshoring, working capital and Made in America structures.
View industry →Law, CPA, insurance, IT, architecture and engineering, consulting and financial advisory.
View industry →Full-service, QSR, franchise, build-out, equipment and working capital.
View industry →Acquisition, construction, expansion and refinance. SBA 504 and CRE structures.
View industry →Who I Can Fund… and Who I Can’t
I would rather tell you the truth in 30 seconds than waste your week. Here is exactly who my commercial business loans are built for, and who should look elsewhere. If you are on the right side of this list, the programs above will fit. If not, I will tell you and point you in the right direction.
Call me if you are…
- An operating business that needs capital faster than a bank will move
- Buying or refinancing commercial or investment real estate
- Funding equipment, payroll, inventory or a growth push
- Sitting on unpaid invoices and need same-week cash
- Refinancing a balloon, a hard money note or a maturing bridge
- Tired of chasing a loan officer who does not know your file
Don’t waste your time if you…
- Want a personal, consumer or residential home mortgage
- Have no business, no entity and no plan yet… just an idea
- Are shopping for the absolute lowest rate over speed and certainty
- Need under $10K… that is below where I can help
- Expect funding with zero documentation of any kind
Not sure which side you land on? Call me and I will tell you straight in one conversation.
$4.2M in Commercial Business Loans: The Bank Walked, I Funded It in 24 Days
A real estate owner had a $4.2M multi-family apartment purchase in Arizona under contract. Ten days before closing, his bank pulled the umbrella… walked away with the clock running and earnest money on the line. He called me. I took the file to my lender network, structured it, and closed in 24 days into a 20-year fixed. The deal that the bank killed is now a performing asset in his portfolio.
That is the difference between a bank that works for itself and someone who works for you. I have funded $500M+ through a network of 75+ lenders, and I am ready to do the same for your commercial business loans.
How Fast Each Commercial Business Loan Program Funds
Speed is the whole point of using me instead of a bank for commercial business loans. Here is what fast commercial business loans actually look like by program type, from same-week working capital to full commercial real estate closings.
| Program | Loan Range | Speed to Funding |
|---|---|---|
| Working Capital / Line of Credit | From $10K | 24-72 hours |
| Equipment Financing | From $10K | 24-72 hours |
| Invoice Factoring | Receivables-based | Same week |
| Commercial Term Loans | $25K to $5M | 5-21 days |
| Bridge Loans | $150K to $100M | Close in 15-30 days |
| Commercial Real Estate | $150K to $100M | Term sheet 3-5 days, fund 21-30 days |
| Investment Property | $150K to $100M | Term sheet 3-5 days, fund 21-30 days |
| SBA Loans | Up to $5.5M | 45-60 days |
The Bank’s Way vs. My Way
Same goal, two completely different experiences. This is why business owners stop begging the bank and start calling me for their commercial business loans. Don’t Beg the Bank!
The Bank
- 60 to 90 days to a decision, if you get one
- One product, one box, one answer: no
- You chase a loan officer who does not know your file
- Perfect-credit, heavy-collateral requirements
- The faster buyer closes while you wait
Working With Me
- Funding in as little as 24 to 72 hours
- Twelve programs and a deep lender network
- You call me direct, every time, and I know your deal
- Structures built around real businesses, not just credit scores
- You close, collect, and grow while others wait
Where the Rules for Commercial Business Loans Come From
Borrowers ask me all the time where the official ground truth on commercial business loans actually lives. Three primary sources frame how lenders price, approve and report on business credit in the United States. Read them and then call me, because the second half is knowing how the rules apply to your specific deal.
U.S. Small Business Administration
Official rules for SBA 7(a), 504, Express, Microloans, CAPLines, Made in America and Export programs. Maximum loan sizes, eligibility, fees and lender requirements.
sba.gov/funding-programs/loans →Federal Reserve Small Business Credit Survey
Annual nationwide data on how operating businesses actually access credit, application approval rates, denial reasons and the financial challenges owners report.
fedsmallbusiness.org →U.S. Department of the Treasury
Federal policy on small business capital access, CDFI Fund activity, State Small Business Credit Initiative (SSBCI) and reporting on commercial credit conditions.
treasury.gov →Tell Me About Your Deal
I personally review every application and call you back… never a text, never a call center.
… or …
📞 Call Kevin (480) 915-8690 7 days a week · Arizona TimeNo upfront fees*. No application fees and no broker fees out of pocket from me. I am paid by the lender at closing. Same-day approvals are common when the application reaches me before 9am Arizona Time. Your information stays with me and the lender reviewing your deal. I call leads, I do not text.
Just Got Funded
Real deals, recently closed. Every one of these commercial business loans started as a phone call about a deal a bank either declined or stalled on.
Commercial Business Loans FAQs
What types of commercial business loans do you offer?
The full range of commercial business loans: SBA, commercial real estate, investment property, bridge, equipment financing, working capital, business lines of credit, invoice factoring, commercial term loans, franchise financing, startup funding and a small business loans routing program for owners who are not sure which fits. From $10,000 to $100 million, nationwide.
How much can I borrow?
From $10,000 for working capital, equipment and lines of credit, up to $100 million for commercial real estate, investment property and bridge. SBA goes up to $5.5 million. Commercial term loans run $25,000 to $5 million. All 50 states.
How fast can I get funded?
As fast as 24 to 72 hours for working capital, equipment and lines of credit. Commercial term loans fund in 5 to 21 days. Bridge loans close in 15 to 30 days. Commercial real estate and investment property get a term sheet in 3-5 days and fund in 21-30. SBA funds in 45-60 days. Same-day approvals are common when the application reaches me before 9am Arizona Time.
What does it cost to work with you?
Nothing out of pocket from me. I charge no application fees and no broker fees to the borrower. I am paid by the lender at closing, so my interest is in getting your commercial business loans funded. Note: some partner lenders may require a commitment fee or deposit when you accept their term sheet. That is the lender’s fee, not mine, and it will be disclosed to you in writing before you commit.
Do you offer Fannie Mae, Freddie Mac, HUD or FHA loans?
No. I do not push agency paper. My lender network covers SBA, conventional bank, private credit, hard money, bridge, mezzanine, equipment, factoring, lines of credit and long-term permanent debt up to 30 years. If your deal genuinely needs agency, I will tell you that and point you in the right direction.
Do I need perfect credit to get commercial business loans through you?
No. I structure deals around the strength of the business, the cash flow, the collateral and the story. Credit matters but it is one factor of many. I have funded owners through bankruptcies, tax liens, prior turn-downs and credit dings. Tell me the truth on the phone and I will tell you whether I can fund it.
Are you a direct lender or a broker?
I am a nationwide commercial loan advisor with a network of 75+ direct lenders. That means I match your deal to the right lender for your situation, instead of forcing your file into one bank’s box. You get one direct line to me from intake to close, and I stay on the file the entire way.
What states do you fund in?
All 50 states. I am based in Arizona but my lender network and licensing footprint covers commercial business loans coast to coast.
Find Your Program. Fund Your Deal.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm. I offer every type of commercial business loans from $10K to $100M. Same-day callback from an advisor who has owned the businesses himself. Tell me what you are trying to do and I will tell you the fastest way to fund it.
*No upfront fees from me. Kevin Kermeen and 75BizLoans.com charge no application fees and no broker fees to the borrower. I am paid by the lender at closing. Some partner lenders may require a commitment fee or deposit when the borrower accepts a term sheet. That fee belongs to the lender, not to me, and is disclosed in writing before commitment. All loan terms, rates, ranges and timelines on this page are typical examples and depend on the borrower, the deal and the lender. Maximum $100M sizing applies to qualified commercial real estate, investment property, bridge, construction and development transactions in the $5M to $100M band. Same-day approvals are common when a complete application reaches me before 9am Arizona Time, 7 days a week. Arizona does not observe daylight saving time. I call leads directly, I do not text.