Silverstone Business Capital connects Lafayette businesses with commercial financing across SBA 7(a), working capital, equipment loans, commercial real estate, business lines of credit, invoice factoring, and specialized products, typically moving from inquiry to term sheet in 48 to 72 hours.
A commercial loan broker matches your financing need to the right lender and product without you navigating dozens of bank portals, underwriting checklists, and conflicting approval timelines. We analyze your revenue, collateral, credit profile, and use-of-funds against each lender's appetite, then present two or three vetted options with clear trade-offs on cost, speed, and covenants. For a Lafayette retailer on Johnston Street looking to buy the building they lease, we compare conventional commercial real estate loans against SBA 504 structure, showing amortization differences and equity requirements side by side. Our role shortens discovery, eliminates mismatched applications, and keeps your deal moving while you run daily operations.
Who we serve
Every product carries different speed-to-funding windows, collateral rules, and documentation loads. We broker SBA 7(a) loans for acquisitions and expansions, working capital facilities for seasonal inventory swings common in Acadiana retail and hospitality, equipment financing for oilfield service shops in Scott and Carencro, commercial real estate loans for owner-occupied warehouses near the airport, business lines of credit for contractors managing job-to-job cash flow, and invoice factoring for staffing agencies waiting on client payment cycles. A Breaux Bridge fabrication shop needing a CNC machine receives equipment-financing terms in two days; a Youngsville medical practice buying its clinic building sees conventional and SBA real estate options within 72 hours. We also place bridge loans, merchant cash advances when speed trumps cost, and revenue-based financing for software or subscription businesses. Our business financing solutions in Lafayette, LA overview details each structure; our Service Areas page confirms we serve Broussard, Duson, Cankton, and Milton with the same in-market support.
How it works
Lenders we work with typically require six months of operating history, though some equipment and factoring programs accept startups with signed contracts. Personal credit above 600 opens most doors; scores in the 500s narrow the field but still yield options, often at higher pricing or with additional collateral. Revenue thresholds vary: working capital and lines of credit often start at $250,000 annual top-line, while SBA 7(a) loans and commercial real estate products review debt-service coverage and industry risk. You submit recent bank statements, tax returns, and a brief use-of-funds memo. We pre-screen within 24 hours, then submit to two or three matched lenders. Term sheets arrive in 48 to 72 hours for most products; SBA and commercial real estate underwriting extends two to four weeks. A Carencro HVAC contractor replacing a truck fleet receives equipment-lease quotes the next business day; a multi-unit restaurant group on Ambassador Caffery refinancing sees conventional and SBA options by week's end. We coordinate documentation, answer lender questions, and schedule closings at your Lafayette office or the title company. No application fee until you accept a term sheet.
Equipment financing
A machine shop two blocks from the Oil Center needed three lathes to fulfill a contract with an upstream supplier. The owner's bank quoted a four-week timeline and required a blanket lien on receivables. We placed the request with an equipment-finance lender that delivered a term sheet in 36 hours, took only the machinery as collateral, and funded within ten days, early enough to meet the supplier's delivery deadline and preserve the contract.
Serving the Lafayette area
We know which lenders fund which kinds of Lafayette businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Why Lafayette owners trust Silverstone Business Capital
Talk to a local advisor and get matched to the right program, no obligation.
