Business funding · Through lender partners

The right lender for the file you actually have.

We are a commercial financing broker. We review your business, prepare a complete submission, and present it to lenders whose programs fit. Lenders make every credit decision and fund every loan.

Start a funding request

No upfront fees, ever. We never charge you to apply, submit, or be matched with a lender, and we do not collect financing fees through this website. We are typically compensated by the lender at closing. If any fee would be paid by you, it is disclosed in writing in your loan documents before you sign.

Programs we place

From working capital to acquisitions.

Term loans

Fixed repayment for expansion, hiring, inventory, or renovations.

SBA 7(a) & 504

Government-guaranteed loans through SBA-participating lenders, for owner-occupied real estate, equipment, and growth.

Lines of credit

Revolving access to capital for seasonality and short-term needs.

Equipment financing

Loans and leases for vehicles, machinery, kitchen equipment, and technology.

Invoice & A/R financing

Advance against outstanding receivables from creditworthy customers.

Commercial real estate

Purchase, refinance, bridge, and DSCR loans for investment and owner-occupied property.

Acquisition financing

Capital to buy an existing business, including SBA and seller-note structures.

Working capital

Short-term funding options for businesses with steady revenue.

Construction

Ground-up and renovation financing through specialty lenders.

The process

What to expect

Timelines depend on the program. Working capital can close in days; SBA and real estate loans typically take 30 to 90 days.

Documents lenders usually ask for

3–6 months of business bank statements
Most recent 2 years of business tax returns
Year-to-date P&L and balance sheet
Owner ID and ownership breakdown
For real estate: purchase contract, rent roll, or appraisal

Intake

We learn the amount, the purpose, and your timeline.

Document review

We review statements and financials and flag anything a lender will ask about.

Lender match

Your package goes only to lenders whose credit box fits, with your permission.

Compare offers

We lay out rate, term, total cost of capital, and payment side by side.

Close with the lender

You sign directly with the lender, and funds come from the lender.

Common questions

Will applying affect my credit?

Our intake doesn't pull credit. Individual lenders may perform a soft or hard inquiry, and we'll tell you which before your file is sent.

Are you a lender?

No. Covenant Capital is a broker. We don't make loans, set final terms, or make credit decisions.

Is approval guaranteed?

No. Every request is subject to the lender's underwriting, and some requests are declined.