Flexible Capital Solutions

Financing Built on a Stronger Foundation

Flexible capital and lending expertise for businesses, investors, and entrepreneurs — from your first SBA loan to your next acquisition.

No two businesses are built the same, and neither are their financing needs. We connect you to the right capital for the moment you're in — whether that's buying a building, covering payroll through a slow season, acquiring equipment, or scaling a real estate portfolio. With a broad network of lenders and a team that knows how to structure a deal, we make financing feel less like a hurdle and more like a path forward.

Terms, rates, and qualifications shown are general guidelines and vary by program, lender, and borrower. Final terms are determined through underwriting.

Our Comprehensive Services

At Stone Arch Funding, we offer a diverse range of financing solutions tailored to meet the unique needs of businesses and investors. Our services are designed to provide you with the financial support necessary to achieve your goals.



SBA 7(a) Loans

The flagship of small business lending, offering government-backed financing with lower down payments and longer repayment terms than conventional options. Use it for working capital, business acquisition, real estate, expansion, or refinancing existing debt.

Typical terms: Up to $5M; terms up to 10 yrs (working capital/equipment) or 25 yrs (real estate); down payments as low as 10%.
What you'll need: For-profit U.S. business, ~2+ yrs operating, credit ~680+, demonstrated cash flow. Real estate must be 51%+ owner-occupied.



Commercial Real Estate

Finance the purchase, refinance, or construction of the property your business depends on — owner-occupied and income-producing assets across office, retail, industrial, and mixed-use space.

Typical terms: LTV up to 75–80%; terms 5–25 yrs with amortization up to 25–30 yrs; fixed or variable rate.
What you'll need: Credit ~660+, 2+ yrs in business, DSCR near 1.25x, 20–25% down or equity.



Multifamily

Capital for apartment buildings and multifamily properties — acquisition, refinance, or value-add. Competitive terms on the buildings that anchor a strong rental portfolio.

Typical terms: 5+ unit properties; LTV up to 75–80%; terms 5–30 yrs; interest-only options on select programs.
What you'll need: Credit ~660+, DSCR around 1.20–1.25x, real estate/management experience, reserves on hand.



Investor Loans

Built for the pace of real estate investing — fix-and-flip, bridge, DSCR rental, and portfolio lending. Programs that qualify on the strength of the deal so you can move quickly.

Typical terms: Up to 80–90% of purchase/cost on flips; DSCR rentals up to 30 yrs; bridge terms 6–24 months; fast closings.
What you'll need: Credit typically 620–660+, a qualifying property (DSCR loans use rental income), down payment, and an exit strategy.



Equipment Financing

Acquire the machinery, vehicles, and technology your operation runs on without tying up cash. Preserve working capital and take advantage of potential tax benefits.

Typical terms: Up to 100% financing; terms 2–7 yrs matched to equipment life; the equipment serves as collateral.
What you'll need: Credit ~600+, an equipment quote/invoice, basic financials. Newer businesses may need stronger credit or a down payment.



Multifamily Loans

Short-term funding to keep operations moving — payroll, inventory, seasonal gaps, or unexpected opportunities. Fast, flexible access when timing matters.

Typical terms: Amounts from ~$10K to $500K+; short terms of 3–24 months; funding often within days.
What you'll need: 6–12+ months in business, consistent monthly revenue, recent bank statements. Leans on cash flow over credit.



Lines of Credit

Revolving capital you draw on whenever you need it, paying interest only on what you use — a cushion for fluctuating expenses and the confidence to act fast.

Typical terms: Revolving limits that replenish as you repay; interest only on the drawn balance; renewable annually.
What you'll need: Credit ~600–660+, 1+ yr in business, steady revenue, recent statements or financials.



Factoring

Turn unpaid invoices into immediate cash. Instead of waiting 30, 60, or 90 days, factoring puts working capital in your hands now — without adding debt to your balance sheet.

Typical terms: Advance rates ~70–90% of invoice value; balance paid (less a fee) when your customer pays; no fixed term.
What you'll need: B2B/B2G invoices for completed work, customers with solid credit, clean unencumbered receivables. Your own credit is a lighter factor.



Merchant Cash Advance (MCA)

Cash fast, with repayment that moves with your sales. A merchant cash advance provides a lump sum today in exchange for a set portion of future revenue — quick funding, minimal paperwork, approval driven by sales rather than credit.

Typical terms: Advances ~$5K to $500K+; repaid as a % of daily/weekly sales or set ACH debits; priced with a factor rate (commonly 1.1–1.5), not a traditional interest rate; ~3–18 months.
What you'll need: Generally 6+ months in business, consistent revenue/card-sales volume, recent bank (and often processor) statements. Credit is a lighter factor.

Not sure which option is right for you?

Let's talk. Our team will help you weigh the choices and structure financing around where your business is headed.

Get Started