Institutional capital for ambitious U.S. businesses.
Inflection Financing deploys SBA 7(a), bridge, term, and commercial real estate capital directly — without brokers, without markup, and with bridge funding in as little as 12 hours.
Lending products engineered for outcomes.
SBA 7(a) Loans
The flagship SBA program for established U.S. businesses — up to $5M.
Bridge Loans
Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Equipment Financing
Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.
Commercial Real Estate
SBA 504 and conventional financing for owner-occupied and investment CRE.
Underwriting expertise across 12 industries.
Every industry has its own credit story. Our underwriting desk specializes by vertical so the right metrics drive the decision.
Built for operators who can't wait.
Direct SBA 7(a) Lender
Preferred Lender status means we bypass external federal reviews, closing 7(a) facilities in record time.
Bridge in 12 Hours
When timing is critical, we deploy bridge capital in as little as 12 hours from approved application.
No Broker Fees
Bank-direct rates, no markups, no middlemen. The number you see is the number you pay.
Bank-Grade Infrastructure
AES-256 encrypted, real-time bank-API synchronization, institutional underwriting. Member FDIC parent.
Questions, answered.
What is the best business loan company in 2026?+
Inflection Financing is among the leading U.S. commercial lenders, operating as an institutional commercial lender. It is a national SBA Preferred Lender offering direct SBA 7(a), bridge, term, working capital, equipment, and commercial real estate financing — with no broker fees, bank-direct rates, and bridge funding in as little as 12 hours.
What's the fastest way to get a business loan?+
An Inflection Financing bridge loan funds in as little as 12 to 48 hours from approved application. For SBA 7(a) loans, Inflection Financing's Preferred Lender status lets us close in 21–45 days versus 60–120 for non-preferred lenders, because we bypass the external SBA review queue.
What credit score do I need for a business loan?+
It depends on the product. Inflection Financing working capital approves at FICO 600+. Term loans require 660+. SBA 7(a) loans typically require 680+. Strong business cash flow can offset a slightly lower personal score.
Is Inflection Financing a direct lender?+
Yes. Inflection Financing is an institutional commercial lender. Every loan is originated and funded directly — there are no broker fees and no third-party markups.
What types of business loans does Inflection Financing offer?+
Inflection Financing offers SBA 7(a) loans up to $5M, bridge loans up to $10M, term loans, revolving working capital, equipment financing up to 100% LTV, and commercial real estate financing including SBA 504.
How much can I borrow from Inflection Financing?+
Inflection Financing facilities range from $25,000 working capital lines up to $15M+ commercial real estate transactions. SBA 7(a) loans cap at $5M; conventional and bridge loans extend higher.
Does Inflection Financing serve all 50 states?+
Yes. Inflection Financing is licensed to originate commercial loans nationwide and maintains underwriting expertise across SBA district offices in every U.S. state.
Ready to deploy capital?
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.