Small Business


Ready Capital, through its subsidiary Readycap Lending, LLC, is an approved non-bank, U.S. Small Business Administration (SBA) Preferred Lender that provides financing under the SBA 7(a) and 504 loan programs, offering secured and unsecured financing nationwide to small business owners.

We provide loans from $350,000 to $5 million, with a track record of successfully navigating the SBA loan process and delivering competitive lending solutions for growing businesses.

We offer entrepreneurs, professionals and business owners the ability to take advantage of flexible terms and competitive loan rates to fund a range of business needs – from start-ups to business acquisitions, real estate, equipment, working capital and more.

Our SBA 7(a) small business loans offer longer terms, lower down payments and more flexibility than other types of business financing, to improve cash flow as you expand or start your business.

Check out our most recent transactions & client testimonials:

Real Estate Purchase
Small Business
Flagged Hotel
25 Year Term
Ontario, OR

“I found the process to be extremely efficient and smooth. Every contact I dealt with at each new stage of the process was highly professional, experienced, quick and informative in their responses, and gracious in their guidance. Our dream of becoming arts entrepreneurs would not have come to fruition this soon without the tremendous efforts of everyone at Ready Capital. We are endlessly grateful.”

- Ian
Business Acquisition
Small Business
Store Retailers
10 Year Term
Salt Lake City, UT
Working Capital
Small Business
Tire and Tube Merchant Wholesalers
10 Year Term
Colorado Springs, CO
Take-out Construction
Small Business
10 Year Term
Torrance, CA

“Making a decision to expand my business was a difficult decision. Identifying a lender to provide funding was easy. Ready Capital’s team had the necessary experience and expertise needed to complete my loan process in a timely and professional manner. From the initial phone call through fund distribution, their team was active in ensuring the process was fully explained and understood.”

- Greg
Real Estate Purchase
Small Business
Home Furnishings Store
25 years Year Term
Palm Desert, CA

Small Business
Couriers and Express Delivery Services
10 years Year Term
Oran, MO

Ready Capital provides competitive programs to meet a wide range of borrower needs. Contact one of our loan professionals for more information.

Small Business
Use of Proceeds Purchase: real estate, equipment, leaseholds
Refinance: real estate, equipment, debt consolidation
Business Acquisition: purchase existing business, partner buyout
Start Up Business: franchise, professional, expansion
Loan Size $350,000-$5,000,000
Equity Injection Requirements 0% to 20%
Loan Term Up to 25 years fully amortized
Debt Service Coverage 1.15x to 1.30x depending on use of proceeds & industry
Advance Rate Up to 100% financing depending on use of proceeds & industry
Prepayment Real Estate: 3 year (5%, 3%, 1%)
Non-Real Estate: none
Features of All Loan Types Closing cost may be financed
Equity may include seller note or gifted funds
Working capital may be included
Competitive interest rates
Dom Mossmann
New Providence, NJ

Dom brings 25 years of commercial banking and SBA lending experience to Ready Capital where he will focus on developing and nurturing new affinity relationships and generating financing opportunities with an emphasis on commercial real estate. Dom has extensive knowledge of the SBA product and process thanks to his time spent as a loan closer, credit underwriter, operations manager, risk manager, and REO manager. Dom has developed strong team management skills with a focus on customer service, and innovative problem solving skills in various roles for AT&T Capital, Newcourt, and CIT. Dom received his BS degree in Aeronautical Engineering from Dowling College.

  • Small Business
See most recent transactions & client testimonials:

Small Business
Gasoline Stations with Convenience Stores
25 years Year Term
Scotssdale, AZ
Real Estate Purchase
Small Business
Convenience Stores
25 Year Term
Milton-Freewater, OR
Take-out Construction
Small Business
Snack and Nonalcoholic Beverage Bars
10 Year Term
San Rafael, CA
  • 2018
  • 2017
  • 2016
Ready Capital Announces Merger with Owens Realty Mortgage - 11/08/2018
READY CAPITAL ANNOUNCES MERGER WITH OWENS REALTY MORTGAGE   Approximately $200M of Additional Capital Raised to Support Targeted Growth in Small Balance Commercial Assets  Combined Company Will Enhance Shareholder Liquidity Transaction Expected to be Accretive to Earnings in 2019  Transaction Expect ...
Sutherland Asset Management Corporation Announces Name Change To Ready Capital Corporation - 10/01/2018
NEW YORK, Sept. 24, 2018 /PRNewswire/ -- Sutherland Asset Management Corporation (NYSE: SLD) announced that, effective 12:01 a.m. Eastern Time on September 26, 2018, it will change its name to "Ready Capital Corporation". "The Ready Capital brand represents part of our larger strategy to improve sha ...
ReadyCap Commercial Surpasses $3 Billion Funded Milestone - 08/14/2018
IRVING, TEXAS – August 14, 2018 – In July 2018, ReadyCap Commercial, LLC (ReadyCap), a leader in small to middle-market commercial real estate mortgage finance, announced it surpassed  $3 billion in funded  loans across its menu of products in just five years. Founded in 2012 and headquartered in Ir ...
Ready Capital Structured Finance Closes Non-Recourse Loans for approximately $70 Million in Washi... - 07/31/2018
NEW YORK – July 31, 2018 – Ready Capital Structured Finance, a nationwide commercial real estate bridge and mezzanine lender, announces the closing of non-recourse loans in Washington, Tennessee, North Carolina, Florida, New Jersey, Illinois, New York and California totaling approximately $70 millio ...
Ready Capital Structured Finance Closes Non-Recourse Loans for approximately $60 Million in Calif... - 05/24/2018
NEW YORK – May 24, 2018 – Ready Capital Structured Finance, a nationwide commercial real estate bridge and mezzanine lender, announces the closing of non-recourse loans in California, Colorado, Virginia, North Carolina and Texas totaling approximately $60 million. The Toluca Lake, California loan is ...
Ready Capital Structured Finance Closes Non-Recourse Loans for over $45 Million in Pennsylvania,... - 04/30/2018
NEW YORK – April 30, 2018 – Ready Capital Structured Finance, a nationwide commercial real estate bridge and mezzanine lender, announces the closing of non-recourse loans in Pennsylvania, Florida, California, Michigan and Texas totaling over $45 million. The Philadelphia, Pennsylvania loan is for th ...
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