Our Commercial Loan Experts Are Here To Help Your Business Prosper

Business Term & Equipment Loans

If you have financing needs that aren’t covered by our other business financing options, ask your representative about a Business Term Loan. A Business Term Loan gives you the peace of mind of predictable monthly payments at the competitive rates Fortis Edge Capital is known for.

You need the tools of the trade to compete. Maybe you need an office full of new furniture. Maybe one of your presses needs to be replaced. If you need new equipment, from heavy machinery to computer systems, talk to Fortis Edge Capital about our great rates and easy application process.

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  Fortis Edge Capital Business Term Loan features:

  • Low fixed and variable-rate options¹
  • No pre-payment penalty options available
  • Options for new or used equipment
  • Flexible terms to fit with your budget

  For inquiries or to apply, please call us at 206.398.5500 or contact us using the button below.

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Real Estate Secured Loans

Are you looking to buy real estate for your business? We can help you with the financing. Whether you need money to build a new headquarters or are looking to buy a twelve-unit apartment building for rental income, talk to us. We can even help you get money from your existing residence to start or grow your business.

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  Multi-Family Property Loan

  Do you need financing to acquire or refinance an income property? Fortis Edge Capital has funding for multi-family properties, including those with 5+ units that would not be eligible for conventional financing.

  Fortis Edge Capital Multi-Family Property Loans feature:

  • Financing up to 80% of the property value
  • Fixed and variable-rate options¹
  • No pre-payment penalty options available

  Commercial Real Estate Loans

  When it comes time to purchase your own building or you want to refinance your existing property, it’s time to talk to Fortis Edge Capital. Our Commercial Lending Specialists can help you build a loan package that fits your unique situation.

  Whether your building is a:

  • Owner-occupied commercial property
  • Residential rental property
  • Office, industrial, or retail space

  Fortis Edge Capital can help you work out the financing. Plus every Fortis Edge Capital commercial Real Estate Loan features:

  • Fixed and variable-rate options¹
  • No pre-payment penalty options available

  For inquiries or to apply, please call us at 206.398.5500 or contact us using the button below.

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Lines of Credit

If your business needs a line of credit to help you manage cash flow and maximize opportunities, Fortis Edge Capital has you covered.

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  Fortis Edge Capital Business Lines of Credit feature:

  • Low rates to work with you budget
  • No pre-payment penalty options available

  For inquiries or to apply, please call us at 206.398.5500 or contact us using the button below.

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Business Vehicle Loans

Get your business moving quickly. Whether you need a commuter vehicle, a specialized truck, or a full fleet of delivery vans, we can help get your business on the road. Our vehicle loans offer competitive rates and terms and allow you to finance up to 100% of the purchase price.

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  Fortis Edge Capital Vehicle Loans feature:

  • Low, competitive rates
  • Flexible terms up to 84 months to fit in your budget
  • No pre-payment penalty options available

  For inquiries or to apply, please call us at 206.398.5500 or contact us using the button below.

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Business Credit Card

The Fortis Edge Capital Business Visa^® Credit Cards offer simple, easy-to-use financing options with the great rates and low fees that we're known for. With our credit card you'll have the payment flexibility to help your business prosper.

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  Fortis Edge Capital Business Visa Credit Card features:

  • Rates as low as 10.49% APR²
  • Limits up to $45,000
  • No annual fee
  • You may be eligible if you've been in business for at least three years

  For inquiries or to apply, please call us at 206.398.5500 or contact us using the button below.

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SBA Loan

Are you looking for financing with an SBA loan? We can help with options for owner occupied commercial real estate (purchase or refinance), business acquisition, equipment, inventory or working capital.

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  SBA 7(a) Overview:

  • Designed for businesses looking to finance working capital needs, business acquisition, expand to another location, buy equipment, acquire land or a building, or a combination.
  • Ideal for longer term financing for businesses with net worth below $15 million and an average net income below $5 million.
  • Loan amounts from $351,000 to $5,000,000.
  • Terms are up to seven years for working capital, 10 years for equipment, 10 years for business acquisition, and 25 years for real estate. Weighted average for a mixed-use request.
  • Rates can be fixed or variable.
  • Prepayment Penalties: Over 15 year term: 5% in year one, 3% in year two and 1% in year three. If the loan term is under 15 years there are no prepayment penalties.
  • Who Qualifies: Must be a for profit business and meet SBA size standards, show good character, credit, management, and ability to repay. Must be an eligible type of business.
  • Benefits: Long-term financing, improved cash flow, fixed maturity, no balloon payment, no pre-payment penalty (under 15 year loan term), fees can be financed.

  SBA 7(a) Requirements:

  SBA 7(a) loans are available to both startups and more established small businesses, and have a variety of eligibility requirements. These SBA loan eligibility requirements include being a small business located in the United States, able to demonstrate the need for the loan proceeds, your industry, and the citizenship status of your owners.

  To qualify for an SBA 7(a) loan, you will generally need to meet these minimum requirements:

  • Credit score: At least 680
  • Other SBA loan requirements: No recent bankruptcies, foreclosures, or tax liens
  • Down payment: At least 10% down payment if you are using the loan to purchase a business, commercial real estate, or equipment

  Startups seeking an SBA loan will need to meet the above requirements, plus they should have:

  • Demonstrated experience: Startups need to show the lender they have sufficient industry or business management experience and provide a strong business plan. Your business plan will need to have a detailed written analysis, and you’ll also need to provide financial projections for your business’ performance over the next three to five years.
  • Larger down payment: Perhaps the largest hurdle for startups is that most SBA lenders will require an equity injection or down payment of at least a 20% to 30% of your total project costs, or $20 to $30 for every $100 you want to borrow.
  • Excellent credit: In our experience, it is very difficult for anyone other than the best borrowers—credit score of at least 700, high net worth, and real estate with significant equity—to get approved for SBA financing as a startup.

  CDC/SBA 504:

  • Designed for businesses looking to to expand through land or building acquisition, construction, or equipment purchase.
  • Ideal for longer term financing for businesses with net worth below $15 million and an average net income below $5 million.
  • Terms are up to 20 years on Real Estate and up to 10 years on machinery or equipment.
  • Rates can be fixed or variable.
  • Prepayment Penalties: Yes. Declining prepayment for the first half of the loan.
  • Who Qualifies: Alternative size standard: For profit businesses that do not exceed $15 million in tangible net worth, and do not have an average two full fiscal year net income over $5 million. Owner occupied 51% for existing or 60% for new construction.
  • Benefits: Low down payment—equity contribution of 10, 15 or 20% depending on loan type, longer term fixed rate, full amortization and no balloon payment.

  CDC/SBA 504 Loan Requirements:

  To qualify for a CDC/SBA 504 loan, your business must meet these minimum requirements:

  • Credit score: At least 680
  • Down payment: At least 10% of the project cost

  Additionally, you’ll be required to not have the needed funds available from other sources, not be engaged in the investment of rental real estate, and you’ll need to meet these other requirements:

  • Business net worth: Have a tangible net worth less than $15 million
  • Repayment ability: Be able to repay the loan on time from the projected operating cash flow of the business
  • Business: Have been in business three or more years and are profitable
  • Building occupation: Building must be at least 51% owner-occupied

  For inquiries or to apply, please call us at 206.398.5500 or contact us using the button below.

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