Answer capsule: A business loan broker in North Charleston connects commercial borrowers with lenders across multiple programs, SBA 7(a), equipment financing, working capital, lines of credit, and invoice factoring, by organizing documentation, comparing terms, and managing the submission process so owners avoid trial-and-error applications.
Small business
Answer capsule: A small business lending broker gathers financial records, prepares deal summaries, compares lender appetites, submits applications on your behalf, and negotiates structure, so you focus on running the business while the broker manages the funding pipeline and follows up on underwriting requests.
We start every engagement with a documentation checklist tailored to your program: tax returns, balance sheets, accounts-receivable aging, equipment appraisals, or lease abstracts. Once the file is clean, we submit to lenders who actively write your deal type. If an underwriter requests a revised cash-flow projection or additional collateral detail, we handle the revision and re-submission. This advisor-analytical approach treats documentation as the foundation of leverage, not an afterthought.
Loan programs
Answer capsule: Falconridge Credit brokers SBA 7(a) loans, working capital advances, equipment financing, commercial real estate mortgages, business lines of credit, and invoice factoring, selecting the program that aligns with your cash cycle, collateral base, and repayment capacity rather than forcing one-size-fits-all solutions.
The SBA 7(a) program remains the backbone for acquisition, expansion, and refinance deals when you need ten-plus-year amortization and a government guarantee. We prepare the SBA Form 1919, personal financial statements, and business-debt schedule, then coordinate with Preferred Lenders who can deliver a credit decision in weeks, not months.
When a North Charleston HVAC contractor needs three new service vans or a Nexton café requires a commercial espresso system, equipment financing isolates the asset as collateral, preserves working capital, and often qualifies for Section 179 expensing. We broker both captive and independent lenders, compare buy-rates, and verify the equipment invoice before funding.
Short-cycle needs, payroll during a slow quarter, inventory before the Port of Charleston container arrives, fit working capital term loans or revolving business lines of credit. We'll review your accounts-receivable turnover and bank statements to determine which structure costs less over twelve months.
Freight brokers staging loads near the Palmetto Commerce Parkway and staffing agencies waiting on municipal contracts often turn to invoice factoring for same-week liquidity. We connect you with broker factoring companies and new freight broker factoring companies that advance against verified invoices, then collect directly from your customer.
How it works
Call (843) 268-6632 or visit our office at 5965 Core Rd, North Charleston, SC 29406. Bring recent tax returns, a year-to-date profit-and-loss statement, and a one-paragraph summary of what you're funding. We'll outline two or three program options, estimate documentation turnaround, and set a submission calendar. No fabricated approval odds, no rate promises until we see lender term sheets, just a transparent roadmap from file prep to closing.
Learn more about our approach on the North Charleston business financing hub or explore our full service area across the Lowcountry.
Related programs
Serving the North Charleston area
We know which lenders fund which kinds of North Charleston businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why North Charleston owners trust Falconridge Credit
