Business Loans & Financing

Fuel your business growth with flexible financing solutions tailored to your company's unique needs.

Business Financing Solutions

Choose from our range of business loan products designed to support your growth objectives.

Business Term Loan
6.5% APR*

Fixed-rate financing for established businesses with predictable cash flow needs.

  • Loan amounts from $25,000 to $500,000
  • Terms from 1 to 7 years
  • Fixed monthly payments
  • No prepayment penalties
  • Funds available within 5 business days
Business Line of Credit
7.25% APR*

Flexible access to capital for ongoing operational needs and opportunities.

  • Credit lines from $10,000 to $250,000
  • Draw funds as needed
  • Interest only on amount used
  • Revolving credit facility
  • No collateral required up to $100,000
  • Online access to funds
SBA Loans
5.75% APR*

Government-backed loans with favorable terms for qualifying small businesses.

  • Loan amounts up to $5 million
  • Terms up to 25 years
  • Lower down payments
  • Longer repayment terms
  • SBA 7(a) and 504 programs
  • Expert SBA guidance

*Annual Percentage Rate (APR) is accurate as of October 1, 2023, and may change. Your actual rate may vary based on creditworthiness, business financials, and other factors.

Specialized Financing Options

Explore our specialized loan products for specific business needs.

Equipment Financing

Finance new equipment with terms matched to the equipment's useful life.

  • Up to 100% financing
  • Terms up to 7 years
  • Flexible payment structures

Commercial Real Estate

Purchase, refinance, or improve commercial property for your business.

  • Loan-to-value up to 80%
  • Terms up to 25 years
  • Fixed and adjustable rates

Practice Financing

Specialized financing for medical, dental, and veterinary practices.

  • Practice acquisition loans
  • Technology and equipment
  • Office improvements

Business Loan Calculators

Estimate your payments and understand your financing options.

$1,955
Estimated Monthly Payment
Total Loan Amount: $100,000
Total Interest: $17,300
Total Loan Cost: $117,300
Payoff Date: Oct 2028

Calculate how much your business can afford to borrow based on your cash flow.

Estimate payments and costs for a business line of credit.

Our Simple Loan Process

1

Pre-Qualification

Complete our quick pre-qualification form to check your eligibility without impacting your credit.

2

Application

Submit your full application with business financials and supporting documents.

3

Underwriting

Our business lending experts review your application and financial information.

4

Funding

Receive your funds and put them to work growing your business.

Start Application Contact Loan Officer

Eligibility Requirements

To qualify for a business loan with Global Trust Bank, your business should meet these general criteria:

Business Requirements
  • Minimum 2 years in business
  • Minimum $100,000 annual revenue
  • Business must be located in the United States
  • No active bankruptcies or tax liens
Credit & Financial Requirements
  • Personal credit score of 680+ for owners
  • Business credit history (if established)
  • Positive cash flow and profitability
  • Complete business financial statements
Note: These are general guidelines. Specific requirements may vary by loan product and amount. Start your pre-qualification to get personalized information.

Success Stories

"The business line of credit from Global Trust Bank gave us the flexibility we needed to manage cash flow during seasonal fluctuations. The application process was straightforward, and we had access to funds within a week."

Maria Rodriguez
Owner, Coastal Retail Group

"We used an SBA loan to expand our manufacturing facility. The team at Global Trust Bank guided us through the entire process and helped us secure favorable terms that supported our growth plans."

James Wilson
CEO, Precision Manufacturing Co.

"As a tech startup, we needed equipment financing to scale our operations. Global Trust Bank understood our business model and provided a solution that worked with our cash flow projections."

Sarah Chen
Founder, TechSolutions Inc.

Frequently Asked Questions

The timeline varies by loan type and complexity. For lines of credit up to $100,000, we can often provide a decision within 2-3 business days. Term loans typically take 5-10 business days for approval. SBA loans may take 3-6 weeks due to government processing requirements. The speed depends on how quickly you can provide the required documentation and the complexity of your business financials.

Typically, you'll need: Business tax returns (2-3 years), Personal tax returns of owners (2-3 years), Year-to-date profit and loss statement and balance sheet, Business debt schedule, Business bank statements (3-6 months), Business legal documents (articles of incorporation, operating agreement), and Personal financial statements for owners with 20%+ ownership. Additional documents may be required based on the loan type and amount.

While our standard business loans require 2 years in business, we do offer startup financing options for newer businesses. These typically require stronger personal credit scores (720+), substantial owner investment, and a detailed business plan with financial projections. We may also consider industry experience and collateral when evaluating startup loan applications.

A term loan provides a lump sum of money that you repay in fixed monthly installments over a set period, ideal for specific one-time investments like equipment or expansion. A line of credit gives you access to funds up to a certain limit that you can draw from as needed, paying interest only on the amount used. Lines of credit are better for ongoing working capital needs, while term loans work well for large, planned expenses.

Most of our business loans do not have prepayment penalties, allowing you to pay off your loan early without additional fees. However, some SBA loans or specialized financing products may have prepayment restrictions, particularly in the first few years. We'll clearly disclose any prepayment terms before you accept the loan, and our lending officers can help you understand the specific terms for your situation.

Ready to Fuel Your Business Growth?

Start your application today or speak with a business lending specialist.

Apply Now Contact Lending Officer