Make payroll through slow seasons, buy the equipment and vehicles you need, open a new location or lock in a cash reserve. Compare business loans, lines of credit, SBA loans, equipment financing and more—for established businesses of every size, from Atlanta to all 50 states.
One secure application · No application fee · No hard credit pull to check your options
Each option is built for a different goal. Find yours, see how it works and apply for the one that fits.
Get one lump sum to expand, renovate, stock up or acquire—with a set repayment schedule you can plan around.
Best for: Business expansion, renovations, inventory, working capital, business acquisitions and debt refinancing.
Explore Term Business Loans
Draw only what you need, when you need it, and generally pay only on what you use. As you repay, funds generally become available again.
Best for: Making payroll in slow seasons, seasonal inventory, cash-flow gaps, unexpected expenses and a rainy-day cash reserve.
Explore Business Lines of Credit
Government-guaranteed SBA loans can offer longer repayment terms that keep payments manageable on your biggest moves.
Best for: Buying a business, purchasing your building, equipment, expansion, working capital and eligible refinancing.
Explore SBA Financing
Get the machinery, trucks, vehicles and technology that grow your revenue. The equipment typically secures the financing, so you keep more cash on hand.
Best for: Buying, replacing or upgrading revenue-producing equipment and commercial vehicles.
Explore Equipment Financing
Get upfront cash in exchange for a set amount of future receivables, repaid through card sales or scheduled remittances.
Best for: Time-sensitive inventory, urgent repairs or short-term needs when the expected return justifies the higher cost.
Explore Merchant Cash Advances
Turn eligible business-to-business invoices into working capital now instead of waiting 30, 60 or 90 days for customers to pay.
Best for: Making payroll, paying suppliers and taking on bigger contracts when you have creditworthy customers.
Explore Invoice Factoring
Buy, refinance or improve owner-occupied or income-producing commercial property—and own the space your business runs on.
Best for: Buying a new location, rate-and-term or cash-out refinancing, renovation, construction and eligible improvements.
Explore Commercial Real Estate Loans
Put your receivables, inventory, equipment, purchase orders or contracts to work as funding for growth.
Best for: Asset-based lending, accounts receivable lines, inventory financing, purchase-order financing and deal-specific capital.
Explore Specialty FinancingOne secure application is all it takes. The heavy lifting happens behind the scenes while you stay focused on your customers.
Share your ownership, history, revenue, banking, how much you need and what it’s for.
Your cash flow, credit, existing debt, collateral and goals are reviewed to find the structure that fits.
Your financial and deal documents are organized and coordinated while your request is reviewed.
Compare amount, payment, rate or factor, fees, collateral, guarantees and total cost—then take the deal that fits.
Straight answers before you apply.
Established businesses can apply for business term loans, business lines of credit, SBA 7(a) and 504 loans, equipment and commercial vehicle financing, merchant cash advances, invoice factoring and invoice financing, commercial real estate loans, working capital loans, asset-based lending and other commercial loans.
Match the funding to the goal. A business line of credit is best for payroll and seasonal cash-flow gaps. A term loan or SBA loan fits expansion, acquisitions and new locations. Equipment financing fits machinery and vehicles. Invoice factoring turns unpaid invoices into working capital. Your use of funds, amount, timeline, cash flow, credit and collateral all shape the best fit, and Alta Business Loans organizes your request around them.
Lenders focus on six areas: time in business, revenue and cash flow, personal and business credit, existing debt and liquidity, collateral, and your documents and use of funds. Steady deposits and a clear plan for the money go a long way. Your requested amount, ownership, industry and location can also shape eligibility and final terms, and exact requirements vary by funding type and lender.
Start with a completed application, government-issued owner identification, business formation records, recent business bank statements and a voided business check. Depending on your request, lenders may also ask for business and personal tax returns, profit-and-loss statements, balance sheets, debt schedules, accounts receivable reports, equipment quotes or property documents.
A business term loan gives you one lump sum with a set repayment schedule—best for a planned investment. A business line of credit gives you access up to an approved limit, and repaid principal may become available to draw again—best for payroll, recurring expenses and uncertain working-capital needs.
No. Alta Business Loans does not perform a hard credit pull for its initial pre-qualification review. A lender or financing company may request authorization for a credit inquiry later in underwriting before issuing final terms.
It depends on the funding type, deal complexity and how ready your documents are. Some working capital requests can move within a few business days, while SBA, commercial real estate, construction and larger deals can take several weeks or longer. Alta Business Loans does not guarantee approval or funding speed.
No. Alta Business Loans is an Atlanta, Georgia-based business funding brokerage serving established businesses in all 50 states. Your funding goal is evaluated, your request is structured, your documents are coordinated and you’re supported through underwriting and closing. The lender funding a transaction independently makes the final credit, pricing and funding decisions.
Compare the approved amount, net proceeds, interest rate or factor rate, APR when provided, payment or remittance frequency, term, fees, total repayment or purchased amount, collateral, personal guarantees, liens, prepayment provisions, renewal conditions and default terms. Review the full agreement—not just the payment.
Apply online in minutes through the secure application. Prefer to ask first? Send a message through the contact page or email info@altabusinessloans.com, and you’ll hear back with clear next steps.
Established businesses in every industry and all 50 states apply with one secure application. Start with the guide closest to you.
Business loans, lines of credit, SBA loans, equipment financing and more—from business loans in Atlanta to business funding in all 50 states. One secure application, no application fee and no hard credit pull to check your options.
No application fee. Financing is subject to business eligibility, verification, credit review, documentation and underwriting.