Approved for the loan but stuck on the down payment? We help you cover it so the deal can close — with a no-credit-check option based on your revenue.
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You got approved for a business, SBA, equipment, or commercial real estate loan — but the lender wants money down, and you don't have the cash on hand to cover it. Down payment assistance solves exactly that: it provides the funds for your down payment so the transaction can close. It's a separate funding facility from your main loan, arranged through a funding partner, and there's a no-credit-check option based on your business's revenue rather than your credit score.
Anytime you're approved for financing but the lender requires money down you don't have on hand, assistance can bridge the gap so the deal closes.
SBA loans typically require money down — the equity injection, often 10% or more. If you've been approved but can't fund the required down payment, assistance can cover it so the SBA loan can fund.
Many equipment deals ask for a down payment or first-and-last. When the equipment is ready and the down payment is the holdup, we help you bridge it. See equipment financing.
A commercial property purchase can require a significant amount down. Assistance can help you get to the closing table on a commercial real estate loan.
Buying a business often means the lender wants a buyer contribution. If you're approved to acquire but short on the down payment, we can help you close.
This is for owners who have a loan approval in hand and just need the down payment. Still shopping for the main loan? We can help with that too — find your match first.
The no-credit-check option is underwritten on your business's bank deposits and revenue, so a lower credit score doesn't disqualify you. There's no hard credit pull for the assistance.
Because it's revenue-based, it can move in a day or two once your information is in — useful when a closing or equipment deal is on the clock.
The assistance covers your down payment, your main loan funds, and you get the equipment, property, or business you were approved for.
Yes. The partner we work with for down payment assistance doesn't run a credit check — it looks at your business's revenue and deposits instead, so cash flow drives the approval rather than your score.
SBA loans, equipment loans and leases, commercial real estate purchases, and business acquisitions — anytime you're approved but the lender requires money down you don't have on hand.
Often a day or two once your information is in, because it's revenue-based rather than a long underwriting process.
It depends on the amount and your revenue, and it carries its own terms as a separate facility. We'll lay out the numbers plainly before you commit.
It depends on the loan: SBA loans often require around 10%, equipment deals can run 0–20%, and conventional commercial real estate is commonly 20–30% down. Down payment assistance covers whatever portion you can't fund yourself.
On SBA loans, acceptable equity injection sources include your cash, retained earnings, a gift, or seller financing on standby — and down payment assistance, which provides the funds so you meet the requirement.
Down payment requirements vary by loan type and lender, but here's what business owners typically run into — and where a shortfall tends to hold up an already-approved deal:
If you've been approved but can't cover the required down payment on your SBA loan, equipment deal, or commercial real estate purchase, down payment assistance can bridge that specific gap so the loan can fund.
On SBA loans, the down payment has a specific name: the equity injection. It's the borrower's own contribution to the deal, and lenders require proof of where it comes from. Acceptable sources usually include your cash, retained business earnings, a gift, or seller financing placed on full standby — and, in many cases, down payment assistance that provides the funds so you can meet the SBA loan down payment requirement.
The reason the equity injection matters so much is that a strong approval can still stall at the finish line if you can't document the down payment. That's the exact moment this is built for: you're approved, the terms are set, and the only missing piece is the cash for the injection. We help you cover it so the deal can close on schedule.
There's more than one way to come up with a down payment. Here's how the common options compare — and where down payment assistance fits:
The simplest source, but writing a 10–30% check can drain the working capital your business needs to keep operating once the deal closes.
On a business acquisition, a seller carry-back or standby note can reduce the cash you need up front — when the seller and lender agree to the structure.
A separate funding facility covers the down payment so an approved deal can close. With the no-credit-check option, it's based on your revenue, not your score, and it funds fast — often within a day or two.
Some owners fund a down payment from a 401(k) or IRA through a rollover structure. It avoids new debt but has its own rules and risks worth reviewing with a professional first.
Not sure which fits your deal? Tell us what you're closing and we'll help you find the fastest path to the down payment. Nothing is guaranteed, and we'll be straight with you on the numbers.
Down payment assistance pairs with the loan you're closing. Depending on your deal, you may also want:
Approved for a loan but short on the down payment? Tell us about your deal and we'll help you cover it and close. No cost, no obligation.