Three ways to fund your business. One place to find the right one.
Beacon isn't a single product with a single answer. Tell us what the money is for and we'll point you to the financing that actually fits — then handle the paperwork to get it done.
What's the money for?
The three programs
Explore each path.
Not sure which the matcher picked? Browse all three — we'll still confirm the best fit when you apply.
SBA 7(a) & 504 loans
The lowest-cost capital most businesses can qualify for — backed by a government guarantee, with long terms and small down payments. Ideal for buying real estate, acquiring a business, refinancing debt, or major expansion. The trade-off is paperwork, and that's exactly the part we package for you so the file actually gets approved.
Check SBA eligibilityBusiness line of credit
A revolving limit you're approved for once and draw against whenever you need it. You pay interest only on what you draw, and your available credit refills as you repay. Built for the recurring, unpredictable gaps — payroll before an invoice clears, inventory ahead of a season, a discount that won't wait.
See if a line fitsWorking capital
Fast, flexible cash for a specific need — repaid over a short term as revenue comes in. Approval leans on your business's cash flow rather than credit alone, and funding can land in as little as a day or two. The right tool when timing matters more than the lowest possible rate.
Get working capitalQuick guide
Which one is right for you?
A rule of thumb. When you apply, an advisor confirms the fit and the numbers before anything's filed.
| If you want to… | Consider | Why |
|---|---|---|
| Buy property or another business | SBA loan | Lowest rates and longest terms for big, one-time investments. |
| Have flexible cash on standby | Line of credit | Draw only when needed; pay interest only on what you use. |
| Cover a gap or opportunity this week | Working capital | Fastest to fund, with approval based on revenue. |
| Refinance or consolidate expensive debt | SBA loan | Stretching the term lowers the monthly payment. |
| Not sure yet | Let us match you | One application; we compare all three and recommend. |
Why Beacon
An advisor, not an algorithm.
Because we place all three products, we have no reason to push you toward one. We recommend what fits — and tell you honestly when something doesn't.
- One short application covers all three programs
- No credit pull at intake — checking costs nothing
- We package the file so it gets approved, not just submitted
- Paid by the lender on closed deals, never by you
We came in sure we needed a loan. Beacon showed us a line of credit was cheaper for how we'd actually use it — and saved us thousands in interest we'd never have questioned.
Owner · Regional HVAC contractor
Questions
Before you apply.
Is Beacon a lender?
No. We're a financing advisory that packages your file and places it with the right SBA lender, line-of-credit provider, or working-capital funder. You always see the actual terms before you accept.
Do I have to know which product I need?
Not at all — that's our job. The matcher is a starting point; one application lets us compare all three and recommend the best fit for your situation.
Will applying affect my credit?
No. There's no credit pull at intake. Credit is only checked once you have an offer in hand and authorize it.
What does it cost?
Nothing to you. Applying and comparing options is free, and we're paid by the lender only when a deal closes.
How fast is funding?
It depends on the product — working capital can fund in a day or two; SBA loans take longer because the terms are far better. We'll set expectations up front.
Can I talk to someone first?
Yes. Email [email protected] and an advisor will help you think it through before you apply.
One application. Every option on the table.
Tell us about your business once and we'll compare SBA, a line of credit, and working capital — then recommend the fit. No credit pull, no obligation.