Business financing, with a purpose

Business Intelligence

Find the opportunities that can move your business forward.

Selected financing insights
Explore by product
A plan for what comes next

Capital for the next stage of your business.

Expand capacity, prepare for your next order, or invest in a location. Start with the opportunity, then explore the financing that can support it.

Explore financing options
  1. 01

    Define the goal

    What will the capital accomplish?

  2. 02

    Compare the structure

    Access, amount, and repayment.

  3. 03

    Move the plan forward

    Start with your business details.

Put information to work

Opportunities & insights

Saved opportunities & insights

More ways to move forward

EquipmentMore room for qualifying equipment deductions in 2026
2026 tax incentive

The Section 179 deduction limit is $2.56 million for tax years beginning in 2026. The phaseout starts when qualifying property placed in service exceeds $4.09 million; business-income and eligibility limits also apply.

Your next move Coordinate the equipment purchase, financing, and in-service date with your accountant so the funding plan reflects the available tax treatment.

Explore equipment financing
LOCKeep capital ready for your next order.
Financing guide

An approved business line provides access to funds as operating needs arise. Draw for inventory, payroll, or supplier costs, then restore availability as you repay under the agreement.

Your next move Map the timing between paying your suppliers and collecting revenue. That gives the credit request a clear purpose and repayment cycle.

Explore a business credit line
Term loansGive a growth project its own financing plan.
Financing guide

A term loan provides one defined amount for an expansion, renovation, or planned purchase, with repayment scheduled over an agreed period.

Your next move Start with the project budget, timing, and expected contribution to the business. Match the financing request to that plan.

Explore term financing
More financing updates
HELOCExplore the business potential of available home equity.
Financing guide

A home equity line can provide access to capital for permitted uses while leaving the existing first mortgage in place. Available credit depends on equity, income, credit, and program terms.

Your next move Use the equity calculator to start with your property figures, then discuss the amount and business purpose with LIVC Group.

Explore home equity
RBFBuild the funding request around business revenue.
Financing guide

Revenue-based financing evaluates funding against sales and a revenue-linked collection structure. The agreement sets the revenue share and any scheduled withdrawals or adjustments.

Your next move Connect the amount requested to a defined operating opportunity, and compare the collection schedule with the way your business earns.

Explore revenue-based financing
Commercial propertyMake the next location part of your growth plan.
Financing guide

Commercial property financing can support an eligible purchase, refinance, or improvement. The property, occupancy, operating income, and business plan shape the structure.

Your next move Bring the property details and project budget together. Review the purchase or refinance alongside the cash flow the location is expected to support.

Explore property financing
SBALonger repayment options for eligible property and equipment
Program opportunity

SBA 504 offers terms of 10, 20, or 25 years for eligible fixed assets. The SBA portion carries fixed-rate financing alongside a separately priced first loan.

Your next move For a qualifying property or equipment investment, compare the combined payments and required equity with the useful life of the asset.

Explore SBA financing

Selected program opportunities and practical financing guides. Official opportunities refresh automatically; each item identifies its source and applicable terms.

Product terms

Rates & repayment

All products

Compare rates, repayment periods, and funding amounts. Your written offer confirms the terms for your request.

10 products

SBA 7(a) loans

Maximum variable interest rate
10.00%–13.50%
Term
Up to 10 years; 25 for real estate
Amount
Up to $5 million
Pricing, fees & requirements

These are rate ceilings based on loan size. The negotiated rate may be lower; fees are additional.

  • Loans up to $50,000: 13.50% maximum. $50,001–$250,000: 13.00%. $250,001–$350,000: 11.50%. Above $350,000: 10.00%.
  • Calculated using the published 7.00% bank prime rate plus SBA’s permitted additions. Applies to prime-based variable loans; fixed-rate limits differ.

Home equity line of credit

Home equity financing
Priced by property & credit
Term
Draw period, then repayment
Amount
Based on equity, income, and existing liens
Pricing, fees & requirements

The agreement sets the interest rate and the length of each period. Payments can increase when a variable rate changes or principal repayment begins.

  • Confirm whether the rate can change, when it resets, and whether a fixed-rate option is available.
  • Review closing costs, annual fees, minimum draws, early-closure charges, and lien requirements.

Business line of credit

Business line pricing
Priced by business profile
Term
Revolving; repayment schedule set in the offer
Amount
Based on cash flow, credit, and existing debt
Pricing, fees & requirements

Draw from the approved limit and reuse available credit as you repay, subject to the agreement.

  • Review the rate on each draw, payment frequency, and any annual or draw fees. A variable rate can change during the term.
  • Confirm renewal requirements and whether collateral or a personal guarantee is required.

SBA 504 property & equipment

Property and equipment financing
Fixed-rate SBA portion
Term
10, 20, or 25 years
Amount
SBA portion up to $5.5 million
Pricing, fees & requirements

The SBA portion and the separate first loan have their own pricing. Review the combined payment and all fees.

  • Available terms are 10, 20, or 25 years. Eligible uses include owner-occupied property and long-term equipment.
  • Working capital and inventory are not eligible uses. Certain qualified debt may be refinanced under SBA rules.

Business term loans

Business term-loan pricing
Priced by business profile
Term
Set repayment period and payment schedule
Amount
Based on the project and repayment capacity
Pricing, fees & requirements

A lump sum is repaid over an agreed period. The written offer sets the rate, term, payment, and fees.

  • Cash flow, credit, current debt, collateral, and use of funds affect the available structure.
  • Check total repayment, payment frequency, origination fees, and the cost of paying off early.

Revenue-based financing

Revenue-based financing cost
Cost set in the offer
Term
Collection schedule and duration vary by agreement
Amount
Based on revenue and current obligations
Pricing, fees & requirements

Review the net funds received, total dollar cost, revenue share, and collection schedule. The share of sales collected is not an annual interest rate.

  • Check how withdrawals adjust when revenue changes and what records are needed to request an adjustment.
  • Review any minimum payments, guarantees, final due date, and early-payoff terms in the agreement.

SBA microloans

SBA’s generally published interest range
8%–13%
Term
Up to 7 years
Amount
Up to $50,000
Pricing, fees & requirements

The local intermediary sets the rate and requirements. Funds can support inventory, working capital, or equipment.

  • Microloan proceeds cannot repay existing debt or purchase real estate. Collateral and other requirements are set by the participating intermediary.

SBA working-capital line

Maximum variable rate by loan size
10.00%–13.50%
Term
Up to 5 years
Amount
Up to $5 million
Pricing, fees & requirements

The Working Capital Pilot supports monitored credit lines for orders, projects, receivables, and inventory.

  • Requires at least twelve full months of operations and timely financial, receivables, payables, and inventory reports. Renewals require lender review.
  • The displayed ceilings use the published 7.00% bank prime rate and the same loan-size additions shown for SBA 7(a). Guaranty fees are additional and vary by maturity.

Equipment financing

Equipment financing terms
Priced around the equipment
Term
Matched to the equipment and its useful life
Amount
Based on the purchase price and business profile
Pricing, fees & requirements

Finance machinery, vehicles, or technology while keeping operating cash available for the business.

  • The vendor quote, equipment age, condition, and expected useful life help shape the financing.
  • The offer confirms the down payment, scheduled payments, fees, and ownership terms.

Commercial property financing

Commercial property terms
Priced by property & business
Term
Repayment period and amortization set for the project
Amount
Based on property value, income, and equity contribution
Pricing, fees & requirements

Plan a purchase, refinance, or improvement around the property and the cash flow supporting it.

  • Property type, occupancy, value, operating income, and the business plan shape the review.
  • Compare the payment schedule, amortization, any final balance, and closing costs in the offer.
Work with your numbers

Payment tools

Compare payments, repayment schedules, and property equity.

Term loan payment
Term Payment Calculator
Monthly payment
$0

Enter an amount, rate, and term.

Amortized calculation only. Actual pricing and terms require underwriting.

Line of credit or term loan
Structure comparison

Line of Credit vs Term.

Answer four operating questions. Use the comparison to frame your financing request.

Is the need recurring or one-time?
Must funds become available again after repayment?
Payment preference?
How often will the business draw?
Compare payment schedules
Payment normalization

Compare Payment Frequency.

Convert obligations to weekly, monthly, and annual equivalents.

Information is educational and may be delayed by the source. It is not investment, legal, tax, accounting, or financing advice.

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