The SBA 7(a) program offers up to $5 million with longer repayment terms and lower down-payments than conventional bank loans, ideal for acquisition, expansion, or refinancing existing debt. Documentation includes three years of business and personal tax returns, interim financials, a narrative business plan, personal financial statements, and proof of collateral. We organize every piece so your application meets SBA and lender standards the first time. Learn more about SBA loans Charleston →
### Working Capital Charleston
Working capital loans provide short-term cash to cover payroll, inventory restocks, or seasonal dips without pledging hard assets, typically repaid within six to eighteen months. Lenders review recent bank statements, accounts-receivable aging, and a cash-flow projection. Because documentation is lighter than term loans, turnaround can be days rather than weeks. This program suits James Island marinas preparing for summer charters or West Ashley restaurants bridging the slow January season. Explore working capital Charleston options →
### Equipment Financing Charleston
Equipment financing lets you acquire machinery, vehicles, or technology while the equipment itself serves as collateral, preserving other assets and spreading cost over the useful life of the gear. You'll submit a vendor quote or invoice, recent business financials, and a brief use-case summary. Approval hinges on equipment value and your payment history, not real-estate equity. Hanahan contractors buying excavators and Mount Pleasant medical practices adding diagnostic imaging both use this structure. Compare equipment financing Charleston terms →
### Commercial Real Estate Loans Charleston
Commercial real estate loans fund the purchase or refinance of owner-occupied properties, warehouses, offices, mixed-use buildings, with amortizations up to twenty-five years and loan-to-value ratios often reaching 90 percent through SBA 504 or conventional programs. Documentation mirrors residential mortgages but adds business tax returns, rent rolls if applicable, an appraisal, environmental Phase I, and title work. Charleston's diverse building stock, from renovated cotton-press lofts downtown to tilt-up distribution centers near the airport, means every deal needs tailored underwriting. Review commercial real estate Charleston programs →
### Business Lines of Credit Charleston
A business line of credit works like a corporate credit card: draw funds as needed up to a pre-approved limit, pay interest only on the outstanding balance, and reuse the line as you repay. Lenders require a year or more of operating history, clean bank statements, and a demonstration of recurring revenue. Lines suit businesses with lumpy cash flow, Goose Creek HVAC companies that buy compressor inventory in spring, or Awendaw aquaculture farms that harvest oysters seasonally. Discover business lines of credit Charleston details →
### Invoice Factoring Charleston
Invoice factoring converts outstanding B2B or B2G invoices into immediate cash by selling them at a discount to a factoring company, bypassing traditional credit underwriting. You provide an invoice aging report, customer credit checks, and proof of delivery or service completion. Because the factor underwrites your *customer's* creditworthiness, startups and turnaround companies qualify. Port-related logistics firms and defense subcontractors serving Joint Base Charleston often factor federal and municipal invoices. Read about invoice factoring Charleston →
