Business Loans
Whether you're expanding operations, opening a second location, bringing on new staff, or simply need working capital to manage cash flow, Arcadia structures business loan solutions built around your specific situation.
We work with a wide network of lenders to find the most competitive rates and terms — and we explain every detail in plain language before you sign anything.
- Term loans from $25,000 to $5,000,000+
- Competitive fixed and variable interest rates
- Terms from 12 months to 10+ years
- Fast approvals — decisions often within 24–48 hours
- Minimal collateral requirements for qualified borrowers
- Both secured and unsecured options available
Equipment Financing
Don't let the cost of equipment slow your operations. Arcadia provides financing to acquire the machinery, vehicles, technology systems, and specialized equipment your business needs to compete — without depleting your working capital reserves.
Equipment financing uses the asset as collateral, which often means more accessible approval and favorable terms compared to unsecured borrowing.
- Finance new or used equipment across all industries
- Preserve cash flow and working capital
- Potential tax advantages (Section 179 deduction)
- Lease-to-own and loan structures available
- Coverage for vehicles, machinery, technology, and more
- Fast closings — often within 2–5 business days
SBA Loans
SBA 7(a) and 504 loan programs offer some of the most attractive rates and terms available for small businesses — but the application process can be complex. Arcadia guides you through every requirement, document, and decision point to maximize your approval chances.
Government-backed guarantees mean lenders take on less risk, which translates to better terms for you.
- SBA 7(a): Up to $5 million, versatile use of funds
- SBA 504: Long-term, fixed-rate for major assets
- Lower down payments than conventional loans
- Longer repayment terms (up to 25 years)
- Expert preparation for maximum approval odds
- Full documentation support and lender navigation
Commercial Real Estate Loans
Arcadia provides financing for the purchase, refinancing, and development of commercial properties — from owner-occupied office buildings and retail spaces to investment properties and multi-family developments.
Our commercial real estate specialists understand the nuances of property valuation, NOI analysis, and lender underwriting — ensuring your deal is positioned for approval.
- Purchase and refinance of commercial properties
- Office, retail, industrial, and mixed-use properties
- Investment properties and multi-family (5+ units)
- Construction and development financing
- Bridge loans for time-sensitive acquisitions
- Loan amounts from $250,000 to $10,000,000+
Business Lines of Credit
A business line of credit gives you the financial flexibility to handle unexpected expenses, seasonal fluctuations, or time-sensitive opportunities without reapplying for a new loan each time you need capital.
Draw funds as needed, repay, and draw again. You only pay interest on the amount you actually use — making it one of the most cost-effective financing tools available.
- Revolving access to $10,000–$500,000+
- Pay interest only on what you draw
- Ideal for managing seasonal cash flow gaps
- Use for payroll, inventory, marketing, or emergencies
- Secured and unsecured options available
- Can be renewed annually as your business grows
Invoice Factoring
If your business invoices clients on net-30, net-60, or net-90 terms, you may have significant capital tied up in outstanding receivables. Invoice factoring converts those unpaid invoices into immediate working capital — typically within 24–48 hours.
Unlike a traditional loan, factoring is not debt. You're selling your receivables at a small discount to access cash now instead of waiting weeks or months.
- Advance rates typically 80–95% of invoice value
- Funds received in 24–48 hours after approval
- No new debt added to your balance sheet
- Approval based on your clients' creditworthiness
- Recourse and non-recourse options available
- Ideal for B2B businesses with strong receivables