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Small Business Loans

Chiles Capital connecting Main Street to Wall Street

Business Loans for Elevating Your Business Potential

Our unique selling proposition is rooted in our ability to engineer deals that might be deemed too complex or too innovative by conventional institutions. With an arsenal of over 100 lending partners, Chiles Capital offers a broad spectrum of funding options, including Merchant Cash Advances (MCAs), revenue-based loans, real estate investment loans, and SBA loans, all tailored to the specific needs of small to medium-sized businesses nationwide.

Flexible Financing When You Need It Most

Welcome to Chiles Capital, where your business's financial growth is our foremost priority. We stand apart in the financial landscape as the bridge to your success, providing bespoke loan solutions that traditional banks often overlook. With Chiles Capital, experience the freedom to finance your business's future regardless of the complexity or size of your needs

Why Choose Chiles Capital?

Expertise in Real Estate Financing

With years of experience in the real estate sector, our team has a deep understanding of market trends, challenges, and opportunities, enabling us to offer you the most suitable loan options.

Customized Loan Solutions

We recognize that each investment is unique. Our loan options are tailored to fit a range of investment strategies, be it commercial, residential, or mixed-use properties.

Competitive Rates and Terms

At Chiles Capital, we pride ourselves on offering competitive interest rates and flexible repayment terms that align with your investment goals and cash flow.

Swift and Transparent Process

We value your time. Our loan application process is streamlined, transparent, and designed to get you the funds you need without unnecessary delays.

Chiles Capital - They key to business success

Understanding Real Estate Investment Loans

Real Estate Investment Loans are specifically designed for purchasing or refinancing investment properties. These loans differ from primary residence mortgages in several ways, including:

  • Loan-to-Value (LTV) Ratios: Typically, real estate investment loans have higher LTV ratios, meaning you can borrow more against the property value.
  • Interest Rates: The interest rates might be slightly higher than residential mortgages due to the perceived higher risk associated with investment properties.
  • Repayment Terms: These loans often come with different repayment terms, including interest-only payments or balloon payments, tailored to your investment strategy.

Types of Real Estate Investment Loans

A Merchant Cash Advance is not a loan, but rather an advance based upon the future revenues or credit card sales of a business.  This financial product is ideal for businesses with a high volume of credit card transactions and the need for quick access to funding. It offers the flexibility of repayment, which fluctuates with the business's sales volume, providing a manageable repayment system during varying economic conditions.

A term loan is a traditional loan instrument that provides a lump sum of capital upfront, which the borrower repays with interest over a predetermined period or 'term'. These loans are typically categorized by their duration: short-term (usually 1-2 years), medium-term (2-5 years), and long-term (5 years or more). Interest rates can be fixed or variable. Term loans are often used for specific investment purposes within a business, such as purchasing equipment, renovating facilities, or expanding operations. The repayment schedule is usually monthly or quarterly and is determined at the outset, which provides businesses with a predictable payment structure.

Small Business Administration (SBA) loans are government-backed loans that provide long-term financing for small businesses in the United States. These loans are renowned for their favorable terms, including lower down payments, flexible overhead requirements, and no collateral needed for some loans. SBA loans can be used for a wide range of purposes, such as working capital, purchasing equipment, financing inventory, and even acquiring real estate. Chiles Capital facilitates these loans by working with the SBA and its lending partners to offer such beneficial terms, focusing on small businesses that may not meet the borrowing criteria of traditional banks.

A line of credit is a flexible loan from a bank or financial institution. Similar to a credit card, it provides a business with access to funds that can be used and repaid as needed. A credit limit is set, and the business can tap into the line of credit as needed, only paying interest on the amount borrowed. This makes lines of credit ideal for managing a company's cash flow and unexpected expenses. They often serve as a safety net for businesses to have capital available when needed without the need to take out a new loan. Interest rates on lines of credit are typically variable, and the funds can be drawn upon repeatedly as long as the account remains in good standing and below its limit.

Our loan options are based on the value of your property, not on your creditworthiness. This means that even if you have a less-than-perfect credit score, you can still secure the funds you need. Our focus is on providing short-term solutions to meet your immediate financial needs. With our property-based lending approach, you can access the funds you require quickly and easily, without the hassle of a traditional credit check. We understand that life's unexpected expenses can arise, and we are here to help you navigate through them. Trust in our property-based lending solutions to provide you with the short-term financial support you need, regardless of your credit history.

Basic Content

Our Loan Features

Loan Amounts

From $50,000 to $50+ million, catering to a wide range of investment scales.

Interest Rates

Competitive rates starting as low as 7%

Loan Terms

Flexible terms up to 30 years

Fast Funding

Ability to close loans in as little as 10 days

Minimal Paperwork

Streamlined application process with minimal documentation requirements

How It Works

Fast Simple Process

Step 1

Preliminary Assessment

Begin by filling out our online form or contacting our team. Provide basic information about your investment strategy, the property in question, and your financial background.

Step 2

Detailed Application

Upon preliminary approval, we'll guide you through a detailed application process, where you'll submit necessary documents such as property details, financial statements, and investment plans.

Step 3

Approval and Funding

Once your application is reviewed and approved, we'll work swiftly to finalize the loan terms and disburse the funds, ensuring you can move forward with your investment without delay.

Why Small Business Owners Trust Chiles Capital

At Chiles Capital, we are committed to being your trusted partner to small businesses across the nation. Whether you are a seasoned entrepreneur or just starting, our comprehensive loan solutions, expert guidance, and efficient processes are designed to help you achieve your business goals with confidence and ease.

Expert Guidance

Our team offers unparalleled expertise and support throughout your investment journey.

Tailored Solutions

We understand that one size doesn't fit all in real estate investing.

Rapid Execution

In the fast-paced world of real estate, timing is crucial, and we ensure quick funding.