Nine ways to support your next move. Explore the products Owens Capital offers and find a place to start the conversation.
Government-backed business financing
SBA-backed loans can support eligible business purchases, expansion, equipment, working capital, and commercial real estate. We help you explore programs and lender requirements that fit your plans.
Program rules, borrower qualifications, permitted uses, and terms vary. We can walk through the documentation and next steps for your specific project.
A defined amount and repayment schedule
A term loan provides a lump sum for a planned business expense, such as expansion, a major purchase, or refinancing. Payments follow the structure set out in the offer.
The amount, repayment period, rate, and any collateral requirements depend on the lender and your business profile. We help compare the terms against your cash flow.
Access capital as needs arise
A business line of credit gives you access to an approved limit that you can draw from when needed. It can help bridge operating expenses, inventory purchases, or timing gaps in receivables.
Draw, repayment, renewal, and fee terms vary by lender. Review the cost of each draw and the conditions for continued access before accepting an offer.
Financing supported by business assets
Secured financing uses eligible collateral, such as property or equipment, to support a business loan. It may suit an investment or refinancing need where assets are available.
The lender evaluates the collateral and the business's ability to repay. The agreement describes what happens to pledged assets if payments are not made.
Put essential tools to work
Finance machinery, vehicles, technology, and other equipment your business needs to operate or grow, while spreading the cost over the agreed term.
We look at the equipment, its useful life, the purchase amount, and your operating cash flow to help identify a suitable structure.
Property for your next chapter
Explore financing for acquiring, refinancing, or improving commercial property, including owner-occupied and investment assets.
Property type, occupancy, income, existing debt, and your intended use all help shape the options available for a transaction.
Capital for a defined transition
Short-term financing can bridge a timing gap during a property purchase, renovation, refinance, or business transition.
A bridge loan needs a realistic exit plan, such as a sale or longer-term refinance. We help assess the timeline and total cost against that plan.
Turn eligible invoices into working capital
Factoring can provide cash against eligible unpaid business invoices rather than waiting for the usual customer payment date.
A factor typically purchases qualifying receivables at a discount. Fees, customer notice, collection responsibilities, and recourse terms should be reviewed carefully.
An advance based on future sales
A merchant cash advance provides funds in exchange for an agreed amount of future business receivables. It may be considered by businesses with steady sales that need short-term capital.
MCA costs and remittance schedules can be substantial. Compare the total amount to be collected, any fees, and the effect of daily or weekly payments on your cash flow before deciding.
Tell us about your business and financing goals.