r/Businessloans

I'm looking for a business loan for a special-use business purchase. The business is an existing Ice Hockey Facility. The building purchase is 3m, with a further 2.5 m needed for construction upgrades. The issue is that the building is on leased land from the Parks and Recreation Department and has 9 years remaining on the lease. It's proving to be challenging to get a new lease executed because there is still considerable time on the lease and the land ownership transfers to the city at the end of the 9 years. All parties are willing to work to execute a new lease it just may take a long time because they only meet once a month.

I'm hoping to find a lender who can lend with a 9-year lease. I'm open to ideas. I need to execute something quicker in order to take a depreciation this year.

I have a considerable down payment and collateral to secure any note.

250k loan needed to expand storage facilities. Full details, to people who do business in USA. Needed ASAP.

EDIT: IT IS SOLVED STOP DMING OFFERS!

I own an established independent apparel/costume brand and am currently exploring approximately $100,000–$150,000 in business financing to expand our production capacity.
The business is already operating and generating sales. We recently launched a major collaboration with a creator with a multi-million-person social media audience, and the goal now is to transition from primarily owner-led production into a more scalable operation.
Funding would primarily be used for:
Leasing and setting up a dedicated production/studio facility
Commercial sewing and embroidery equipment
Hiring and training 2–3 production employees
Fabric/material inventory and working capital
Increasing fulfillment capacity and supporting upcoming launches
I'm currently evaluating term loans, private business loans, revenue-based financing, or potentially an individual/private investor, depending on the structure and terms.
I’m not interested in merchant cash advances with extreme daily/weekly repayment structures.
I can provide business documentation, sales history, bank statements, Shopify records, projections, use-of-funds breakdown, and information regarding the upcoming growth strategy to a legitimate lender.
For those who have raised a similar amount for a growing apparel/e-commerce company: what type of financing did you ultimately use, and are there lenders or private funding sources you would recommend looking into?
I'm also open to hearing from legitimate lenders/investors who work with businesses at this stage. Please include your company, website, and basic financing terms if reaching out.

Hi Everyone,

I'm the founder of a startup building a breast cancer survivor accessory brand dedicated to empowering, inspiring, and celebrating women who have survived breast cancer.

The idea came about when my cousin survived breast cancer and I went online to purchase her a gift. That is where I identified a gap in the market-and I have decided to fill that gap.

I have developed purses, wallets, wristlets, foam trucker hats and coffee mugs to start.

I'm currently seeking $25,000 USD in funding to help bring the brand to market. The funds will be used for:

·       Initial inventory and manufacturing (purses, wallets, and wristlets)

·       Marketing and customer acquisition

·       Website and e-commerce development

·       Working capital

Although the business is currently pre-revenue, I've invested significant time, research, and personal resources into building a strong foundation for launch.

A few highlights:

·       Built an email list of more than 1,500 subscribers/customers waiting for my release

·       Established a manufacturing and supply chain strategy

·       Samples given out to Breast Cancer Survivors with positive feedback given

·       Identified a 3PL to house and deliver my items on a monthly basis

·       Have had numerous articles written about my brand that collectively reached more than 352,000 monthly readers

·       Completed the business plan, financial projections, product designs, and go-to-market strategy

·       I am currently working on appearing on a major morning show for the month of October that is featured nationally with a viewership of 799,000 daily.

·       Donation strategy outlined to donate a percentage of monthly sales to Breast Cancer Organizations and those affected by Breast Cancer

My vision extends far beyond selling accessories. My goal is to build the leading online destination for cancer survivors and their loved ones—a place where people can find thoughtful survivor gifts, meaningful accessories, and products that celebrate strength, hope, and resilience.

I'm open to discussing a variety of funding structures, including:

·       Private business loan

·       Equity investment

·       Other mutually beneficial arrangements

I'm looking to connect with private investors, angel investors, family offices, or experienced entrepreneurs who believe in purpose-driven consumer brands and want to support an early-stage business with long-term growth potential.

If you're interested in learning more, I'd be happy to share my business plan, financial projections, pitch deck, marketing strategy, and product concepts.

If you know someone who may be interested, I'd greatly appreciate an introduction.

Thank you for taking the time to read my post, and I appreciate any advice, connections, or funding opportunities you may be willing to share.

I own a consulting agency and I'm looking to expand/hire more contractors for business. Rev at 30k per month

[supprimé]

I’m looking for a 10k loan for my business, more info to interested people

Any lenders do fixed rate SBA Loans?

Will repay 1.3k in 3 weeks from tomorrow. The equipment being broke is loosing me income every minute that I don't replace it. Struggling to get funds to replace it anywhere else and posting here in the hope I might get lucky. Open to repaying more. Just want my business back running as normal again

Okay so anyone ever got a loan from private lender here? Any leads? Happy to pay finders fee.

I am looking for a private lender. Not a large amount. But I had an emergency come up or I wouldn’t even be doing this. Please comment or message me if you know anyone.

Looking for a private lender willing to lend me €2,000.
I’m happy to agree on reasonable interest and a fixed repayment schedule, and provide verification if needed.
If you’re a genuine lender interested, please DM me with your terms.
No upfront fees.

I Own an investment property in my business name and I need some cash out for debt consolidation. Does anyone have a really good experience doing it? Any you recommend? There are so many companies online hard to know which one is reputable. Thank you

I’m currently looking to connect with a potential private investor or capital partner for a startup I’m developing in Central Missouri.

The company, Magic City Site Services, is being built as a roll-off dumpster rental and site-services business serving contractors, property owners, agricultural customers, and commercial projects. The initial focus is dumpster rentals, with a longer-term plan to expand into additional site-support and waste/logistics services as the company grows.

I’ve been working through the startup costs, equipment requirements, local disposal costs, pricing, operating expenses, and growth strategy, and I’m now looking for the right person to discuss funding the initial launch.

I’m not simply looking for a check—I’m looking for an investor who sees the potential in building a strong, asset-backed local service business with room to expand regionally.

I have a more detailed business plan and financial projections available for serious conversations.

If this sounds like an opportunity you’d be interested in discussing, feel free to message me privately.

Hello, Ive been wanting to post here since last week but i dont know if theres really someone who can lend me 200k Php. I am willing to provide any necessary documents needed.

Hello, I am looking for a loan of $1,500 to invest in inventory for my online store. I will repay $1,800 on or before October 20, 2026. I am located in New York, NY, USA, and I can accept and return the funds via Bank Transfer. Please feel free to reach out if you need any verification. Thank you!

Struggling to find funding for my business. I attempted to go through route of a HELOC but quickly realized the chances of approval would be low due to DTI as I recently ran a cost seg on my properties lowering my taxable income. My next option would be a business line of credit. My business generates ~15k-17k a month with expenses around ~7k. Credit score is in the low 700’s. W2 income is also good. No problem with personally guarantee!!

Please help!!

Sooo I'm in the process of starting a general contracting company, and one of the biggest obstacles I'm working through is working capital.

I have potential projects in the pipeline, but I don't currently have enough capital to comfortably execute larger contracts. As a GC subcontracting most of the trade work, I could have substantial payments due to subcontractors, suppliers, equipment vendors, etc. before I've collected the corresponding payment from the owner.

I've been advised to simply build up my own cash reserves first, which is obviously the lowest-risk approach, but that takes time and could mean passing on opportunities that are available now.

So I'm currently evaluating two primary options:

1. Business loan / line of credit

The advantage is that I retain 100% ownership of the company. A revolving LOC also seems particularly useful because I could draw funds when project cash flow requires it, repay the balance when owner payments arrive, and reuse it on future projects.

My concern is taking on debt before the company has established predictable cash flow. If an owner pays late, a change order gets disputed, retainage gets held, etc., the loan still needs to be serviced and interest continues accruing.

2. Outside investor

The appeal here is having additional capitalization without the same monthly debt-service pressure. It could give the company a stronger balance sheet and more room to absorb payment delays while getting established.

The obvious downside is giving up equity/profits in a company that I ultimately want to build long term. If the business becomes successful, selling 10–20% today could ultimately cost considerably more than paying interest on borrowed money.

I'm also considering whether the answer isn't necessarily one or the other—perhaps some combination of owner deposits/progress payments, my own capital, supplier terms, a smaller LOC, and retained earnings is a better way to bootstrap the first projects without giving away equity.

For those who have actually dealt with this—particularly construction companies or other businesses with significant working-capital requirements:

If you had a legitimate pipeline but insufficient capital to execute the work, would you raise equity, use debt/LOC, wait and accumulate cash, or structure something differently?

I'm particularly curious about:

• At what point does taking on debt become reasonable versus dangerous?
• When does giving up equity actually make sense?
• Would you distinguish between an investor who only provides money versus a strategic investor who also brings customers, relationships, bonding capacity, expertise, etc.?
• How much liquidity would you want relative to expected monthly project expenditures?
• For those who bootstrapped, how did you finance the first few meaningful contracts?
• What do you wish you had done differently?

I'm less interested in theoretical finance answers and more interested in hearing from people who have actually had to fund growth while managing real cash-flow timing risk.

I work with interpretation services for spanish speakers within the whole U.S, Looking to stablish an actual brand of services but also honestly need a small part of it to setup the work environment properly as soon as possible along with family stuff ASAP. (Willing to go for a higher amount If the repayment time could be for at least 6 months maximum) Repayments would be done every month

I Tried to ask for little amounts In different topics without success so I´m going now for what We Honestly need to sort things out

Proof of income
Proof of services