We offer both traditional and alternative loans designed to make financing accessible to a range of these small to mid size businesses. Whether a mom and pop shop needs $5,000 or a rapidly expanding business is looking for $500,000, our diverse selection of loan programs can suit their needs. These loans provide the capital you need to start or continue to grow your business and be a part of what makes this country great.


The benefits of our business loans include:  

  • No credit card processing required 
  • Sole focus on small to mid size businesses
  • Accessible to most credit types
  • Simple application with no complicated paperwork or business plans
  • Approvals in as little as 24 hours
  • No up front fees - No pre pay penalties
  • You don't have to pay a penny extra for our services.

For a confidential no obligation discussion about your funding needs. - NO OBLIGATION


1. Call/Text Tony Piekarski direct to 915-240-5044   Or


2. Email Tony Piekarski at


3. Fill out the online Contact Form by CLICKING HERE!


If you are calling or emailing please be specific on the nature of your contact.

SBA 7(a) Working Capital or Debt Consolidation Loans:
While the SBA loan process can be overwhelming and complex, there are steps you can take to eliminate hurdles and better ensure approval. For example, there are funding partners (like PBS Capital) who monitor what concepts, types of borrowers, FICO score, collateral, and assets lenders are looking for and can help you apply only to the bank(s) that would be the best fit for your situation. This ensures you avoid the banks that have little or no interest in your loan application, thereby increasing your chances of a quick and painless approval. It also provides you with the opportunity to secure offers from multiple lenders so you can choose the one with the best terms.


SBA 7(a) Commercial Real Estate Loans:
SBA 7(a) Commercial Real Estate loans are a great option for small businesses looking to refinance an existing commercial real estate mortgage, buy an office building or other owner-occupied commercial space. SBA 7(a) loans are low fixed rate loans with a 25 year amortization and only 15% down payment required.  The interest rate is fixed in five year increments and starts as low as 7.00%.*

Equipment Financing and Leasing:

Equipment financing is a loan option for small business owners looking to purchase new or used business equipment. Equipment loans are usually mid-to-long-term secured loans. Equipment finance is available with little or no down payment, and the approval process is fast, the payment schedule is affordable and there are potential tax advantages. They permit businesses to invest in expensive manufacturing or office equipment and secure the loan by putting that equipment up as collateral. Ideal for businesses that need equipment to grow their business.

Short Term Business Loan:

With a term that’s generally no longer than a year and can be as short as a couple of weeks, they are ideal for businesses that need fast working capital loans and expect to be able to pay it back very soon. Seasonal businesses that need to buy stock or a business experiencing temporary cash-flow issues that needs a stop-gap to pay salaries or expenses would turn to a short-term loan. The loan program is based off the customer’s total monthly gross deposits. It is collected on a fixed term through a fixed daily ACH from their business bank account. This program covers a wide range of customers and pricing is established through key variables including time in business and credit.


Merchant Cash Advance:

In a Merchant Cash Advance, or ‘MCA’, Lender purchases the customer’s future credit card receivables at a discount. The cash advance is paid back through a small percentage of the customer’s future credit card transactions. It is a buy sell agreement between the lender and the customer, so there is a fixed fee and no accruing interest or fixed repayment period. Best only for businesses with strong credit standing and low-risk industries.

Combination of options:

Many times, using more than one funding option could be your best strategy. For example, using equipment financing to purchase the capital equipment you need instead of a working capital loan allowing you to preserve your capital. A funding expert can help you decide if using a combination of options is right for you.

SBA Loans -
Bank Loans -
Equipment Financing -
Other Financing Options -
Start or Buy a Business -

Bank Term Business Loan:
Conventional loans can be provided by bank and non-bank lenders, but are not guaranteed by the SBA or other government entity. A conventional business loan is a simple interest business loan with a low rate, monthly payments of principle and interest and flexible terms ranging from one to five years, with no prepayment penalties. No collateral is required but a personal guarantee is needed.  The common uses for these types of loans are working capital, move or expand your space, refinance debt, buy inventory or equipment, hire more employees.

Using your retirement funds - 401(k)/IRA Business Funding:

If you have more than $50,000 in a 401(k), IRA, or other qualified retirement plan, this might be a great option for you. There are no penalties or upfront taxes, and because it eliminates the need for a loan, your business becomes cash flow positive sooner. It also provides you the ability to pay yourself a salary until your business becomes profitable, and can be used to cover your personal expenses so your business only needs to cover business debt.

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