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We Believe Capital Should Be Fair, Transparent, and Within Reach.
Built for Business Owners, By Business Owners
At Equitable Business Loan, our name isn't just a word on a door—it's a promise.We started this company because we saw a problem that needed fixing. For decades, small business owners have faced a frustrating reality: the financial system was built for big corporations, not for the local bakery, the family-owned hardware store, or the mom-and-pop landscaping companyBig banks demanded perfect credit scores, mountains of paperwork, and collateral that most small business owners simply didn't have. Online lenders promised speed but delivered confusion—hidden fees, confusing terms, and repayment structures that felt designed to trap rather than empower.We knew there had to be a better way.Our StoryEquitable Business Loan was founded by a team of entrepreneurs and finance professionals who had been in your shoes. We had struggled to secure funding for our own ventures. We had felt the sting of rejection from banks that didn't understand our vision. We had signed contracts filled with fine print that left us feeling exploited rather than supported.We decided to build the lending company we wished had existed when we were starting out. Since opening our doors, we have helped hundreds of small businesses across the country access the capital they need to grow, thrive, and create jobs in their communities. From the restaurant owner needing a new oven before the holiday rush to the construction company bridging a gap between projects, we have been there—listening, understanding, and funding.
About Us
Feature
Unlocking the Power of Our Loan Features
We believe in transparency, and that's why we offer competitive interest rates and flexible repayment options. Our user-friendly loan management platform makes it easy for you to monitor your loan status, make payments, and stay on top of your financial journey.
- Flexible Repayment : Customize your loan with easy payment plans.
- Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
- Quick Approval Process: Get funds swiftly with fast approvals.
- No Hidden Fees: Transparent loan terms, no surprises or extras.
- Loan Assistance: Our team is here to guide and support you.
24/7 Support
Flexible Repayment : Customize your loan with easy payment plans.
Low Cost
Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
Featured Plans
Secure your dreams with our empowering featured loans
Bridge Facility
Bridge Loans2%
Interest Rate- Take Minimum $500,000.00 USD
- Take Maximum $15,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Debt Consolidation
Debt Refinancing2%
Interest Rate- Take Minimum $250,000.00 USD
- Take Maximum $30,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
A/R Revolver
Accounts Receivable (A/R) Financing2%
Interest Rate- Take Minimum $500,000.00 USD
- Take Maximum $50,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Practice Acquisition
Medical/Dental Practice Loans2%
Interest Rate- Take Minimum $200,000.00 USD
- Take Maximum $5,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Provider Relief
Medical/Dental Practice Loans2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $2,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
FF&E Loan
Restaurant & Hospitality Loans2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $2,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Operating Line
Agricultural Loans1%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $10,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 101
Farm Ownership
Agricultural Loans1%
Interest Rate- Take Minimum $250,000.00 USD
- Take Maximum $25,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 101
MCA Retail
Merchant Cash Advances (MCA)2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $2,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Revenue Loan
Revenue-Based Financing2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $10,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Corporate Card
Business Credit Cards1%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $1,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 101
Equipment Loan
Asset-Based & Specific-Purpose Financing1%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $5,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 101
Vendor Lease
Equipment Financing2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $2,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Commercial Mortgage
Commercial Real Estate (CRE) Loans2%
Interest Rate- Take Minimum $250,000.00 USD
- Take Maximum $25,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Construction Loan
Commercial Real Estate (CRE) Loans2%
Interest Rate- Take Minimum $500,000.00 USD
- Take Maximum $50,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Invoice Factoring
Invoice Financing1%
Interest Rate- Take Minimum $10,000.00 USD
- Take Maximum $10,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 101
Invoice Discounting
Invoice Financing2%
Interest Rate- Take Minimum $250,000.00 USD
- Take Maximum $50,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Floor Planning
Inventory Financing2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $10,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Standard Term Loan
Business Term Loans1%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $5,000,000.00 USD
- Per Installment 0.5%
- Installment Interval 30 Days
- Total Installment 202
Corporate Term Loan
Business Term Loans2%
Interest Rate- Take Minimum $5,000,000.00 USD
- Take Maximum $50,000,000.00 USD
- Per Installment 2%
- Installment Interval 50 Days
- Total Installment 51
Standard LOC
Business Lines of Credit1%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $1,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 101
Corporate LOC
Business Lines of Credit2.5%
Interest Rate- Take Minimum $1,000,000.00 USD
- Take Maximum $50,000,000.00 USD
- Per Installment 2.5%
- Installment Interval 30 Days
- Total Installment 41
SBA 7(a)
SBA Loans2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $5,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 102
SBA 504
SBA Loans2%
Interest Rate- Take Minimum $125,000.00 USD
- Take Maximum $20,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
110+
Country Wide
1K+
Happy Client
195
Winning Awards
$8M+
Total Loan
FAQ
Frequently Asked Questions
These are designed to build trust, clarify the lending process, and address the most common concerns of small business owners.
Blog Post
Our Latest Blog
03
Aug
Helped by Loan : Finding the Perfect Summer Internship
After graduating from college, many jobs want experience in your work field. Having a summer internship is a great way gain experience. Here are some ways to find the perfect internship for you:Check out online resourcesThere are many online resources to help you look for internships. CyHire is a great tool to find employers who are recruiting Iowa State students. You can search for positions by your college or major, upload your resume, view career fair information and more. You can even automate your CyHire search to have new opportunities emailed to you. LinkedIn is another great tool to connect with people and to find internships in different cities and states. Through LinkedIn you can also connect with alumni of Iowa State University.Attend career fairsCareer fairs are a great way to network and to create connections with people in the work force. Through networking you are able to share your resume and network for yourself with others. Connections are important for finding job opportunities.Contact the employer directlyYou don’t see an internship at a business or organization you want to work for? Contact the business or the employers. This shows them that you are motivated and willing to go the extra mile.Find something that works for youLooking for an internship that intrigues you and will help you improve your skills and connections is important when making a final decision. While there are both paid and un-paid internships, there may be scholarships you can apply for if you decide to take an un-paid position, so don’t discount an opportunity if it will ultimately help you gain valuable experience.
03
Aug
Agri-loan, key to farming success
Starting today's article with statistics provided by the Bangladesh Bank.According to IFPRI, 19 percent of farmers take loans from relatives. 15 percent from the landowner, 11.4 percent come from moneylenders and 3.6 percent from various associations and cooperatives. Farmers get the largest share of the loan from the Krishi Bank, which is about 15 percent. Large, medium and small farmers together get 36 percent of the total loan while marginal farmers get about 5 percent. The total percentage of loan all the farmers get is 36 percent. Sharecroppers, the farmers who cultivate other people's land on lease, do not get this loan. As a result, they have to rely on loans from other sources, including NGOs.Small NGOs and associations began to form in the districts and upazilas from the 80s to the early 90s of the last century. Along with other developmental activities, these institutions started a micro-credit programme. Institutions thrive mainly on interest earned from loans. But there is no such change in the farmer I have witnessed. The farmer falls into a debt trap and sometimes carry the burden of prolonged loans that they take from NGOs and local moneylenders. Farmer Rafiqul Islam from Natore, at one of the open-air discussion among farmers and policymakers, popularly known as 'Krishi Budget Krishoker Budget' (Farmers' Voices in Budget, aired on Channel i), said he has never seen any political person become poor while doing politics, but the farmers are not well off doing their profession, which is farming. "We don't have capital, no one thinks about our market, no one talks about us," Rafiqul angrily said. Such anger doesn't only come from Rafiqul, but almost every farmer bears the same agony. Most importantly, the moneylenders expanded their business by capitalizing on the poor state of the farmers and they never want them to get out of this vicious circle of borrowing money from the locally-rich and powerful people.
03
Aug
Dealing with Delinquent Business Loans: Protecting Your Finances and Credit
Closing on a business loan often brings a sense of relief and excitement as you secure the funds to grow your business. However, it’s not uncommon to find yourself overwhelmed after a few months or years, realizing that you’ve taken on more than you can handle. With over one-third of Americans struggling with delinquent debt and the risk of loan defaults, taking immediate action is crucial when you fall behind on loan payments. This article provides essential information on delinquent loans, defaults, and practical strategies to protect yourself and minimize the associated damage.Understanding Delinquent LoansA loan becomes delinquent when you miss a payment, even in just one day. If you miss payments or cannot make them for an extended period (typically 90 to 120 days), the lender may classify the loan as default and initiate collection procedures. Both delinquent loans and defaults have negative implications for your credit. It’s important to note that the timing of your delinquency rarely matters. For example, if your payment is due on February 1 and the lender doesn’t receive it that day, the loan becomes delinquent on February 2.Consequences of Delinquent LoansThe consequences of a delinquent loan depend on your lender’s policies and the terms outlined in the loan agreement. However, there are three typical outcomes:Penalty Rates & Late Fees: Loan agreements often permit lenders to charge late fees after a few days grace period. Some agreements also permit the lender to increase the interest rate on overdue amounts, known as a “penalty rate” or “default rate.” Late fee structures vary among lenders, so it’s essential to understand their specific policies to avoid surprises.Negative Impact on Credit Score: Once you are 30 days late on payments, lenders can report the late payment to credit bureaus. Beyond this period, a late payment can decrease your credit score by nearly 100 points. In addition, poor credit score makes qualifying for future business loans more challenging. Late payments can remain on your credit report for up to seven years, even if you pay the lender after the item is reported.It’s worth noting that this 30-day rule does not apply to business credit reports, as lenders can report late payments to commercial credit bureaus even if you are just one day late.Increased Contact from LendersWhen you have a delinquent loan, expect frequent calls and emails from your lender urging you to make payments. Lenders prioritize collection efforts while the deadline is fresh in your mind. As delinquency continues, it becomes more challenging for lenders to collect the debt.Delinquent Loans vs. Defaulted LoansA loan transitions from delinquency to default when you have an outstanding balance for an extended period specified in the loan agreement. Typically, lenders wait 90 to 120 days before considering a loan as default.How to Identify Defaulted LoansWhen a loan goes into default, the lender will send you a written notice stating that you have breached the loan agreement and must immediately repay the entire loan balance. The lender might also sell or transfer the debt to a collection agency, escalating collection efforts to recover the outstanding balance. If the lender believes they won’t recover the money, they can charge off the loan, removing it from their books. However, you remain responsible for paying the debt.Actions After DefaultThe lender’s subsequent actions depend on whether the loan is secured or unsecured. Secured loans have collateral or personal guarantees backing them, while unsecured loans do not.
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