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:
What is down payment assistance for a business loan?
Down payment assistance is funding that covers the down payment a lender requires before it will close your business, SBA, equipment, or commercial real estate loan. If you have been approved but cannot come up with the cash for the down payment, the assistance provides those funds so the deal can go through. It is separate from your main loan and is arranged through a funding partner, with a no-credit-check option available.
Can I get down payment assistance with bad credit or no credit check?
Yes. We work with a funding partner that does not run a credit check for down payment assistance. Instead of your credit score, the partner looks at your business's revenue and bank deposits, so approval is based on cash flow rather than credit.
What loans can down payment assistance be used for?
It is commonly used for the down payment on an SBA loan, an equipment loan or lease, a commercial real estate purchase, or a business acquisition. Anytime you are approved for financing but the lender requires money down you do not have on hand, down payment assistance can bridge that gap.
How fast can I get down payment assistance?
Because the no-credit-check option is based on revenue rather than a long underwriting process, it can move quickly, often within a day or two once your information is in.
How much does down payment assistance cost?
It depends on the amount and your business's revenue, and it is a separate facility from your main loan with its own terms. We lay out the numbers plainly so you can decide whether closing the deal is worth it. Approval and terms are never guaranteed.
How much of a down payment do I need for a business loan?
It depends on the loan type. SBA loans often require around 10% equity injection, equipment loans can run 0 to 20%, and conventional commercial real estate is commonly 20 to 30% down. Down payment assistance covers whatever portion you cannot fund yourself so an approved deal can close.
What is an SBA equity injection?
The equity injection is the SBA's term for the borrower's down payment, or own contribution to the deal. Acceptable sources include cash, retained earnings, a gift, or seller financing on standby, and in many cases down payment assistance that provides the funds so you meet the requirement and the SBA loan can close.
Still deciding? Tell us about your business and compare real options. Free, no obligation, and checking won't affect your credit.
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.