Business Loan Types

Small Business Administration (SBA) loans are a cornerstone of STG Liberty’s offerings, designed to provide affordable, long-term financing for American businesses. Backed by the U.S. government, SBA loans, such as the 7(a) and 504 programs, offer competitive interest rates and extended repayment terms, making them ideal for a wide range of needs. Whether you’re purchasing real estate, refinancing debt, acquiring a business, or boosting working capital, SBA loans provide flexible solutions with loan amounts up to $5 million. STG Liberty excels at navigating the SBA’s requirements, streamlining the application process to secure approvals even for businesses with complex financial histories. Our team works closely with clients to match them with the right SBA program, ensuring they can grow sustainably without the burden of high interest rates. With our expertise, businesses in industries like hospitality, retail, and manufacturing can access the capital they need to expand, hire, or innovate, all while benefiting from terms that align with their cash flow.

Equipment financing from STG Liberty empowers businesses to acquire the tools and technology they need to stay competitive without depleting cash reserves. Whether it’s heavy machinery for construction, medical devices for healthcare, or kitchen appliances for restaurants, our equipment loans and leases cover a wide range of assets. Loan amounts typically range from $10,000 to $5 million, with terms up to 7 years, and we offer up to 100% financing to minimize upfront costs. STG Liberty’s streamlined process ensures fast approvals, often within 24-48 hours, so businesses can put their equipment to work quickly. We also offer flexible options, such as seasonal payment structures, to align with your revenue cycles. Our ability to secure approvals for clients with less-than-perfect credit sets us apart, making equipment financing accessible to startups and established companies alike. With STG Liberty, you can invest in the tools that drive growth while preserving capital for other priorities.

Working capital loans from STG Liberty provide businesses with the liquidity needed to manage day-to-day operations, seize opportunities, or navigate seasonal fluctuations. These short-term loans, typically ranging from $5,000 to $500,000, are perfect for covering expenses like payroll, inventory, marketing campaigns, or unexpected costs. With repayment terms of 6 to 18 months, our working capital solutions are designed for speed and flexibility, often delivering funds within 24 hours of approval. STG Liberty stands out by offering these loans to businesses that traditional lenders might overlook, including those with lower credit scores or irregular cash flow. Our advisors tailor each loan to fit the client’s unique needs, ensuring manageable payments that don’t strain operations. From retailers preparing for the holiday rush to contractors needing to cover upfront project costs, STG Liberty’s working capital loans keep businesses running smoothly and positioned for growth.

Bridge loans from STG Liberty are short-term financing solutions designed to help businesses act quickly when time-sensitive opportunities or challenges arise. These loans, ranging from $50,000 to $5 million, provide immediate capital to “bridge” the gap until long-term financing is secured or a specific financial event occurs, such as a property sale or project completion. With terms of 6 to 24 months, bridge loans are ideal for real estate acquisitions, business expansions, or covering cash flow gaps during transitions. STG Liberty’s expertise lies in crafting customized bridge loans for businesses that may not qualify for traditional financing, including those with complex financials or urgent needs. Our rapid approval process ensures funds are available in as little as 48 hours, enabling clients to seize opportunities like purchasing a competitor or closing a commercial property deal. With STG Liberty, bridge loans are a powerful tool for businesses to stay agile and competitive.

A business line of credit from STG Liberty offers unmatched flexibility, giving business owners access to a revolving pool of funds they can draw from as needed. Ranging from $10,000 to $2 million, our lines of credit allow clients to cover unexpected expenses, manage cash flow, or invest in growth opportunities without reapplying for a new loan. Interest is only paid on the amount drawn, and once repaid, the funds become available again, making this an ideal solution for ongoing or unpredictable needs. STG Liberty’s lines of credit are accessible to a wide range of businesses, including those with less-than-ideal credit, thanks to our creative underwriting approach. Approvals are fast, often within 24-48 hours, and our advisors help clients determine the right credit limit for their operations. From covering seasonal inventory purchases to funding marketing initiatives, STG Liberty’s lines of credit provide the financial freedom businesses need to thrive.

For businesses that don’t qualify for traditional loans, STG Liberty’s alternative financing options open doors to capital that might otherwise be out of reach. These solutions, which include merchant cash advances, invoice factoring, and revenue-based financing, are tailored to businesses with unique challenges, such as low credit scores, limited collateral, or short operating histories. Loan amounts can range from $5,000 to $2 million, with repayment terms based on cash flow or revenue, offering flexibility that traditional loans can’t match. STG Liberty’s alternative financing is particularly valuable for industries like e-commerce, transportation, or service-based businesses, where cash flow may be inconsistent. Our team leverages an extensive network of lending partners to secure approvals when others say no, often delivering funds in as little as 24 hours. With alternative financing from STG Liberty, business owners can access the capital they need to grow, innovate, or overcome obstacles, no matter their circumstances.