Business and real estate financing, one intake
Two kinds of financing.
One place to start.
Busy Bee Services places financing on two different things: a business that needs working capital, and a property that needs leverage. This page maps what is available on each side, explains what a broker actually does with your file, and walks through how the process runs before you apply.
Two sides of the house
Money for the business, or money against the property
Most brokers work one side of this and call it the whole business. Owners rarely stay on one side for long, so both run through the same intake here.
A business loan is underwritten around how the company runs day to day: what moves through its bank account, how long it has been open, and in one case, the owner's personal credit. A real estate loan is underwritten around the property and the deal built on top of it, the purchase price, the repair budget, the rent it will produce, or the sale it is waiting on.
Knowing which side your situation falls on before you apply saves time. The two sections below lay out what is actually available on each side, in plain terms, with the sub pages linked if you want the full detail on a specific program.
Business loan solutions
Five ways to fund a business, at different stages
Programs available run from $20,000 up to $5,000,000 for a business already operating, or up to $500,000 for one that just opened its doors. Every figure below is a program range, not an offer.
For a business with two years of history, a 680 credit score or better, and a profitable file, an SBA 7(a) Express loan reaches $30,000 to $500,000 at rates from 6% to 10%, funded in about a month. Every program below moves faster than that timeline, at a different price.
Funding in 24 hours or less
Merchant cash advance
- Credit minimumNone
- PaymentsDaily or weekly
- IndustriesAll eligible
Speed is the entire product. Right for a real emergency or a real opportunity, expensive if it is covering a gap that reopens every month.
Merchant cash advance →$5,000 to $55,000
Business line of credit
- Approval24 hours
- FundingSame day
- InterestOnly on what you draw
Revolving credit that costs nothing while it sits unused. Often the least expensive program here for a business with any seasonal swing.
Line of credit →$20,000 to $5,000,000
Small business loans
- CollateralNot required
- OfferWithin 24 hours
- UseAny business purpose
A fixed term loan for an established business with a specific plan for the money, and no collateral required to get there.
Small business loans →$20,000 to $500,000
Startup and personal loans
- Credit needed680 or above
- Terms1 to 5 years
- PrequalifySoft credit pull
For a business with no revenue history yet. The file leans on personal credit because there is nothing else to underwrite against.
Startup loans →Terms up to 5 years
Equipment financing & leasing
- Time in business1 year
- StructuresFinance, lease, leaseback
- CollateralThe equipment
The equipment secures its own loan. A leaseback runs the same idea in reverse, turning equipment already owned back into cash.
Equipment financing →Real estate financing
Leverage on a property, sized to the deal and the exit
Hard money has a published range. Everything else below depends on the asset, the location, and the file behind it, so figures are not listed for those programs on this page.
Hard money, fix and flip
Up to 80% of purchase price and up to 100% of rehab funds, minimum loan $100,000, rates starting at 6%. Funded nationwide for a purchase or a cash out refinance, closed on minimal documentation.
Hard money lenders →Loans for investment properties
Financing sized to a rental or a small portfolio, underwritten around what the property produces rather than only around your personal income.
Investment property loans →Commercial real estate loans
Financing for an owner occupied building or an income producing commercial property, matched to the asset and the numbers behind it.
Commercial real estate loans →Bridge loans
Short term financing that carries a property between two events: a sale that has not closed yet, or a permanent loan that is not ready.
Bridge loans →Foreign national loans
Financing for a buyer without a US credit file, underwritten around the property, the down payment, and documented income earned abroad.
Foreign national loans →The figures on this page are third party lender program ranges, not an offer or a commitment to lend. Every file is subject to that lender's underwriting and approval, and terms vary by lender, state, property, and applicant.
Straight talk
What a broker actually does, and does not do
Busy Bee Services does not lend money. A broker reviews a file, decides which lenders it actually fits, and submits it to those lenders. The lender is the one who underwrites the file, sets the terms, and funds the loan. What a broker adds is knowing which desk to send a file to, so it does not spend weeks collecting declines from lenders who were never going to say yes.
A broker also does not guarantee approval, does not set the rate, and cannot override a lender's underwriting. If your business has strong credit, two clean years, and no urgency, your own bank will likely beat anything reachable through a broker. Where this helps is everywhere outside that box: revenue that is strong but credit that is not, a property with a three week timeline, an industry that gets declined on principle rather than on the numbers.
That holds for every program on this page. Third party costs such as an appraisal are paid to the appraiser, not to a broker. If anyone asks for money before you have seen a term sheet, ask exactly what it buys and get it in writing.
How this works
One file, reviewed once, sent where it fits
Applying to lenders one at a time is how a file collects declines and a credit report collects hard pulls. This runs the other way.
You apply once
One intake covers the business side and the real estate side. It does not pull your credit and it does not cost anything.
We route the file
It goes to the lenders whose actual criteria it fits, business or real estate, instead of everywhere at once.
You decide
You see the real structures available, with what each one costs named plainly. You pick one, or you pick none.
Ready to see where your file actually lands?
One application covers both sides of the house. No hard credit pull, no fee to find out.