United States
Chicago's lending market reflects its manufacturing and logistics heritage, with a deep bench of asset based lenders alongside the major national and regional banks. SBA backed lending is a well used route for smaller companies that cannot yet meet conventional bank underwriting standards.
| Structure | Where it works |
|---|---|
| Asset based lending | Combines receivables, inventory and equipment into one facility for mid sized companies. |
| SBA 7(a) loan | Government guaranteed lending for smaller businesses with limited collateral. |
| Equipment finance | Standard for manufacturing and logistics businesses acquiring or replacing machinery and vehicles. |
| Commercial mortgage | For owner occupied and investment property, priced on cash flow and location. |
SBA loans carry longer processing times, often eight to twelve weeks, due to government guarantee paperwork.
Asset based facilities can close in three to five weeks once a field exam of receivables and inventory is complete.
Chicago's logistics position means freight and transport businesses often have specific asset finance needs around trailers and equipment.
Generally yes, since the government guarantee process adds paperwork and review time, though the trade off is access for businesses that would not otherwise qualify for conventional financing.
Asset based lending is usually the best fit, since it releases capital tied up in receivables and inventory rather than relying purely on cash flow serviceability.
Fairly competitive for well located, income producing property, with banks and specialist commercial mortgage lenders both active in the market.
Tell us what the business in Chicago needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
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