Loan Programs Built for Strategic Growth

Find Your Loan Program Today

Loan Code offers structured loan programs designed to match your goals, flexible financing options to support business growth, and leveraged investment opportunities to help you make better financial decisions.
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Explore Our Available Programs

Loan Programs for Every Business

SBA Loans

SBA loans are government-backed financing solutions designed to support long-term business growth, offering lower down payments and extended repayment terms. We recommend SBAs for startups, acquisitions, expansions, and owner-occupied real estate because they offer the flexibility entrepreneurs need to achieve stable, growth-focused capital with competitive structures.

Conventional Loans

Conventional loans are traditional commercial financing solutions offered by lenders without government backing. Commonly used for established businesses, commercial real estate, and long-term investment purposes, these loans provide structured financing with predictable terms for borrowers seeking scalable, relationship-driven capital solutions.

Bridge Loans

Bridge loans are short-term financing solutions designed to provide immediate capital while transitioning between transactions or securing permanent financing. These loans are commonly used for acquisitions, construction, or time-sensitive investment opportunities because they allow business owners and investors to move quickly when speed and flexibility are critical to execution.
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Tailored Programs by Industry

Loan Code Supports All Industries

Loan Code provides specialized financing solutions across diverse industries to help business owners secure capital tailored to their operational goals, market demands, and growth opportunities. The industries we serve include:
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Real Estate

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Retail

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Liquor Stores

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Restaurants

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Hospitality

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Salons & Spas

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Gas Stations

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Consumer Services

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Online

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Automotive

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Manufacturing

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Distribution

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Agriculture

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Health

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Offices

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Warehouse

What to Know Before You Apply

Clear Answers for Confident Borrowing

At Loan Code, we’re here to help our clients. We know the loan application process can be overwhelming. No matter what questions you have, we have answers. Read below for answers to some of our frequently asked questions, or reach out today to start a conversation.

Loan Code provides SBA loans, conventional commercial loans, and bridge financing tailored for startups, acquisitions, real estate investments, construction projects, expansion, and debt restructuring needs.

Business owners, entrepreneurs, real estate investors, and business buyers who are U.S. residents seeking commercial-purpose funding.

Timelines vary by deal complexity, but many transactions move from application to funding within two months, depending on documentation, asset type, and underwriting requirements, including licenses and government approvals.

Requirements vary based on loan type and transaction structure. Typical documents include financial statements, tax returns, bank statements, project details, and purchase agreements.

Yes. Loan Code supports qualified startup funding scenarios, especially when backed by strong business plans, industry experience, collateral, or other supportive indicators of financial strength.

Yes. Loan Code structures financing for commercial and investment real estate, including acquisitions, developments, and value-add opportunities.

Bridge loans provide short-term financing and capital injections to quickly secure opportunities, such as acquisitions or property purchases, while waiting for long-term funding or liquidity events.

Loan Code specializes in business-purpose and real-estate investment lending with a flexible, strategic approach, offering faster decisions, tailored structures, and specialized expertise in complex commercial and investment transactions.

Loan Code evaluates deal structure, cash flow, collateral, tax returns, purchase or applicable agreements, existing financials, business reputation, credit, and overall business or investment strength to determine funding viability and align financing with each opportunity.

Submit an online application or call us to speak directly with a Loan Code loan officer.

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Loan Code Parameters

Transparent Guidelines for Loan Eligibility

Our lending solutions are designed to meet diverse business needs. Our specialists consider factors such as overall deal strength, financial capacity, and strategic alignment, then apply structured yet flexible lending criteria to assess business and real estate opportunities, ensuring each financing solution aligns with borrower goals and transaction viability.
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Minimum Net Worth: $100,000

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Loan Amount: $500,000 and above

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Cash Flow: Minimum 1.25x debt service coverage ratio

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Recourse: Full recourse

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Guarantees: Personal guarantees required

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Loan Cost: 2% to 6% of the loan amount

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Loan Term: Interest-only options through terms of up to 25 years

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Loan Code is a commercial lending firm that provides strategic financing solutions for business owners and real estate investors. We deliver transparent, expert-driven lending for startups, acquisitions, expansion, construction, and investment opportunities with clarity, speed, and confidence.
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