Loan Programs > Small Business
Small Business
Ready Capital, through its subsidiary ReadyCap Lending, LLC, is a United States Small Business Administration (SBA) Preferred Lender and through its subsidiary ReadyCap Commercial, LLC, a USDA Business & Industry (B&I) approved lender.
About Ready Capital
Who we are
Small and mid-size business owners are turning to Ready Capital, among the top 1% of SBA 7(a) lenders, to take their business to the next level.
We provide $10,000-$10MM+ loans to small and mid-sized businesses
A non-bank, SBA Preferred Lender, ranked in the top 1% of all 7(a) lenders
Delivered over $1.6B in capital and working with businesses nationwide
What we offer
- A multi-solution platform and wider, non-bank lending box that allows for more successes
- Prompt eligibility screening and fast term sheets
- A seasoned Ready Capital lending specialist dedicated to each opportunity
- A lending process that specifically addresses a business owner’s most important borrowing needs: speed, certainty and transparency
- Loans with creative underwriting, flexible terms, and competitive rates to help a growing business with a wide range of capital needs:
- Low required equity injections that may include seller notes or gifted funds
- Up to 25 year terms, resulting in low monthly payments
- Limited/No prepayment penalties
- Competitive rates available
- Closing and soft costs can be financed
Our products
SBA 7(a)
Loan amounts $350,000 to $7,000,000*
USDA B&I
Loan amounts $1,000,000 to $10,000,000 or more
Our target markets
Veterans
Loan amounts $350,000 to $7,000,000 with packaging fees waived
Strategic Alliances
Partnering with banks, ABLs, lending advisors, RIAs, and financial services firms for client borrowing needs
LenderAI: Our technology differentiator
Our self-service origination technology platform with an easy-to-use suite of tools that streamline the broker and borrower experience
Delivered through our iBusiness software and service provider and available to financial institutions as:
- Software as a Service (SaaS)
- Lender Service Provider (LaaS)
- Referral lending platform
Fully digital solution supported by live, U.S.-based customer service
Web-based, automated loan origination (processing, underwriting, credit, closing)
AI driven, issuing immediate terms and approvals
Interactive customer processing portal for:
- Application status
- Outstanding items and actions
- Live chats
For more information on our technology solution, visit ibusinessfunding.com
Meet the Team
industries we serve
Featured Industries
All industries
- Medical & Healthcare
- Dental Services
- Shipping & Logistics
- Self-Storage
- Funeral Homes
- Insurance Agencies
- Legal & Accounting
- Manufacturing
- Assisted Living
- Franchises
- Childcare
- Liquor Stores
- Pharmacy
- Veterinary
- Gas Stations/C-Stores
Get Started
Apply for a Ready Capital small business loan
Click the appropriate loan amount below to be directed to the application process. It takes less than 3 minutes and will not affect your credit score.