Small Business Funding Powered by the Small Business Financial Center (SBFC) is a dedicated financial solutions hub built to empower underserved, early-stage, and scaling small businesses with the working capital they need to grow, stabilize, and thrive. Leveraging a consultative approach similar to leading financial partners and the T.I.S.S.S. framework (Technology, Infrastructure, Scalability, Sustainability & Systems) from Small Business Systems , SBFC integrates technology, financial systems, and business support to deliver funding solutions that match each business’s unique needs.
We believe that funding should not be a barrier to building a strong, successful business. From startups seeking their first injection of working capital to established firms pursuing major expansion, SBFC is here to navigate the financing landscape alongside you, ensuring you get the right funds at the right time.
Our Mission is to provide equitable, accessible, and system-driven financial solutions that empower underrepresented, early-stage, and growing small businesses to build sustainability, strengthen their infrastructure, and access the capital they need to succeed.
We believe that funding should not be a barrier to building a strong, successful business. SBFC provides a service small businesses can trust, afford, and rely on.
A Working Capital Loan is short-term financing designed to help maintain cash flow and cover a business’s everyday operational expenses, such as payroll, rent, and inventory. Whether a business is navigating seasonal fluctuations or seizing a growth opportunity, a working capital loan can provide the necessary funds to keep operations running smoothly.
A business line of credit is a flexible financing option that allows businesses to borrow funds as needed, similar to a credit card. Interest is paid only on the borrowed amount, and funds can be used for various purposes like managing cash flow or covering unexpected expenses. Once repaid, the credit becomes available again, making it a revolving form of credit that can be accessed repeatedly.
A term loan is a lump sum funding, repaid in fixed installments over a set period, often used for major expenses like equipment or business expansion. Term Loans can have a fixed or variable interest rate.
An SBA loan is a government-backed loan that can be used for starting or expanding a business. The loan has certain requirements for eligibility, such as size standards, providing the ability to repay and a solid business purpose.
Equipment financing is a way for businesses to obtain equipment through a loan or lease. It can be used to purchase almost any tangible asset for a business. Some examples of equipment that can be financed include: medical equipment, office furniture, production equipment, and technology.
Commercial real estate is property intended for business use. This includes office buildings, retail locations, warehouses, and industrial facilities. Commercial real estate transactions involve buying, selling, or leasing these properties to support business activities.
Accounts receivable financing is when a company will sell or finance off their outstanding invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.
Fix-and-flip financing is a short-term loan for real estate investors to buy, renovate, and sell properties, with funding based on the property’s after-repair value (ARV).
An investment property loan is a loan that is used to purchase a property that will produce income. It is typically used for purchasing a property to renovate to generate rental income.
Franchise financing is a way for franchisees to obtain funds to purchase and run a franchise business. Use of funds can include franchise fees, equipment, inventory, working capital, and down payments.
Email Address
sbfc@smallbusystems.com
Office
704-264-0537×814
Reach out to us today and get a complimentary business review and consultation.