Commercial & Business Loans

BUSINESS LOANS

Fast-track your growth with flexible business loans and lines of credit.

At Providential Growth Solutions, we believe that access to capital should be a catalyst for your business, not a complication. Leveraging our institutional partnership with US Trust Business Loans and Alternative Capital Funding we provide high-velocity funding solutions—including flexible lines of credit and working capital loans up to $2MM—tailored specifically for the trades and essential services. We’ve eliminated the red tape of traditional banking, requiring only four months of bank statements to provide you with a definitive funding decision in as little as 48 hours. Whether you’re scaling your fleet, investing in new equipment, or bridging a seasonal gap, we provide the capital you need with the speed your growth demands.

Click Here For Details

Lending Guidelines

Simple, Transparent Lending Guidelines

No Upfront Fees. Soft Credit Pull Only.

Loan Parameters (The Terms)

Funding Range: $15,000 – $45MM -We syndicate on certain transactions and our private capital is invested in you and your business on a non dilutive basis. No revenue? Personal/Expansion loans without revenue up to $550,000.

Terms: 3 to 84 months for unsecured loans and up to 25 years for SBA programs.

Repayment Flexibility: Daily, Weekly, Bi-Weekly, Monthly, or Bi-Monthly options.

Collateral: Most programs are Unsecured (No collateral required). Equipment loans are the exception.

Positions: We fund up to the 7th position (meaning we can fund you even if you have existing loans).

Borrower Eligibility (Who Qualifies)

Time in Business: Minimum 2 months with verifiable revenue.

Revenue: Robust cash flow required (we look at revenue, not just credit score).

Location: Available in forty-nine States. Business must be US-Based.

Citizenship: US Citizens preferred. Permanent Residents considered (capped at $200k).

Online Presence: Business must be viable and have a website/digital presence.

Credit & History (The "Flexibility" Part)

Credit Score: No Minimum FICO for most products.

Note: "A" Paper Lines of Credit require a 600+ Median FICO.

Note: Pre-Revenue Startups require a 680+ Median FICO.

Past Issues:

Bankruptcy: OK if discharged or dismissed.

Tax Liens: Isolated liens are OK.

Defaults: Past defaults OK with a "Zero Balance Letter."

High-Risk Industries: Accepted. We fund Transportation, Construction, Car Sales, and more. No industry restrictions.

Key Benefits

No Upfront Fees: Serious applicants only. Hedge Fund Capital is available

Tax Benefit: The interest/factor rate on your loan is typically a 100% tax write-off (Consult your CPA).

Fast Process: Digital contracts via DocuSign available.

Industry-Specific Funding Programs:

We provide dedicated capital for specialized sectors, ensuring expert handling of your industry's unique assets:

Construction, Trades & Industrial: Tailored loans for Construction & Trucking, Manufacturing, Roofing, Plumbing, Electricians, and Heavy Machinery.

Healthcare & Medical: Comprehensive funding for Medical Professionals (VIP Funding), Animal Hospitals, Dentists, and Surgeons.

Tech & Innovation: Specialized support for Tech, IT, and AI-related ventures, including Robotics and Start-Up Financing for pre-revenue companies.

Hospitality & Entertainment: Capital for Hotels and Hospitality groups, Retail, and the Influencer-Entertainment Industry.

Our Core Funding Solutions:

Flexible Working Capital: Access Business Lines of Credit (18 to 36 months, up to $2mm), Working Capital Loans, and 10-Year Personal Term Loans.

Commercial & Asset-Based Lending: We specialize in SBA 7(a) Loans, Commercial Loans, Equipment Financing, Invoice Factoring (Accounts Receivable Financing), and Revenue Advance Funding.

High-Value & Niche Financing: Exclusive access to Luxury Aircraft Loans, Hedge Fund Private Lending for passion projects, and unique "Below Market Rates" for Restaurant Lines of Credit. New restaurants ok!

Apply For Funding

Consumer Financing Solutions

CUSTOMER FINANCING

Help your clients get the funds that they need.

Eliminate budget constraints with an instant multi-lender portal. We connect you to our waterfall of over 300 lenders who offer customer financing up to $100k with approvals down to 550 scores. From medical to major home or auto repairs, we ensure you get paid upfront.

Stop Losing Bids to "Sticker Shock." You shouldn't lose a $15,000 project just because the client doesn't have the cash on hand today. With the Providential Capital Access Pass, you instantly gain the ability to offer flexible financing to your clients, turning "I can't afford that right now" into "Let's get started tomorrow."