Asset Based Line of Credit
Use your company’s assets including equipment, inventory, contracts, invoices, purchase orders, and real estate to secure a line of credit for your business.
Fast Working Capital Loans from $10,000 to $5 Million
Choose from multiple working-capital solutions. Term loans start at 10.75% with 2–10-year terms. SBA loans range from $50,000 to $350,000 with 7–10-year terms. Merchant Cash Advances are available from $10,000 to $5,000,000 with durations from 3 to 24 months.
Merchant Cash Advance
Access a business cash advance from $5,000 to $6,000,000 for almost any purpose. Get approved within an hour and, in many cases, funded the same day.
Equipment Loans from $25,000 to $100 Million
Need equipment to grow—or working capital from equipment you already own? We offer a full suite of programs to get your business the capital it needs. Speak with our dedicated team for details and hands-on guidance from application to funding.
SBA Loans $50,000 to $23 Million
SBA financing is a smart way to fund working capital, inventory, expansion, real estate, equipment, and more. Available programs include SBA 7(a), SBA CDC/504, and SBA Express. Contact us for details.
Ground-Up Construction, Fix & Flip, and Rental Loans
Our nationwide programs help real estate investors, developers, and builders finance nearly any project. Ground-up rates start at 7.99%. We lend up to 90% Loan-to-Cost and up to 100% of hard costs. For fix-and-flip deals, we can fund 100% of the rehab budget. Rental loans are available up to 80% LTV, with deal sizes from $50,000 to $5 million.
Get Your Business Funded — Fast, Easy, Efficient
Small Business Big Loans delivers a fast, easy, and efficient path to capital. We’ll help you identify the best-fit funding option and provide a full suite of products to fuel your growth and success.
Business Funding from $100K to $100M
Fast, Flexible Capital for Asset-Driven Businesses.
Secure working capital, equipment finance, and commercial real estate loans with a streamlined process and a dedicated team that understands complex transactions.
No obligation. Exploring options will not impact your personal credit.
Funding Options
Business Loan Programs
Tailored capital solutions for working capital, equipment, real estate, and complex event-driven needs.
Working Capital Loans
$100K – $5M • 6–60 month terms
- Support payroll, inventory, and operating expenses
- Flexible structures to stabilize cash flow
- Options beyond traditional bank underwriting
Asset-Based Lending (ABL)
$500K – $50M • Revolving & term
- Borrow against receivables, inventory, or equipment
- Lines that scale with your collateral base
- Ideal for growth, seasonality, or turnarounds
Commercial Real Estate Loans
$1M – $100M+ • Bridge & permanent
- Acquisition, refinance, construction, and value-add
- Bridge, perm, and structured solutions
- Investor and owner-occupied properties
Equipment Financing
$250K – $20M • Loans & leases
- Finance or refinance critical equipment and fleets
- Match terms to asset life and revenue
- Preserve cash and existing credit lines
SBA & Structured Term Loans
$500K – $10M • SBA 7(a), 504 & term
- Partnered programs for owner-operators
- Longer amortization and competitive rates
- Growth, acquisition, and recapitalization capital
Structured & Special Situations
Custom capital stacks
- Event-driven, distressed, or time-sensitive deals
- Mezzanine, unitranche, and hybrid structures
- Designed around real-world constraints
How It Works
A Clear, Three-Step Funding Process
We simplify complex deals with a structured process and direct access to decision-makers.
Tell Us About Your Deal
Share your funding need, timeline, and available collateral. We’ll quickly confirm feasibility and next steps.
Structure & Present Options
We match your situation with the right lenders and programs, then present clear structures and terms.
Execute & Fund
We work the transaction through closing, coordinating with all parties so capital can be deployed efficiently.
Real-World Applications
What Can You Fund with New Lock Capital?
From logistics fleets to ground-up construction, we help capital-intensive businesses move forward.
Expand fleets & equipment
Add trucks, machinery, and specialized equipment without draining cash reserves or maxing out bank lines.
Refinance expensive debt
Replace stacked MCAs or short-term balances with structured ABL or term loans to improve cash flow.
Fund construction & value-add
Finance ground-up projects, heavy rehab, or repositioning for investors and owner-users.
Stabilize working capital
Smooth out seasonality, growth surges, or one-time disruptions with thoughtful working capital solutions.
A Partner for Complex, Real-World Deals.
New Lock Capital is built for business owners, investors, and operators who need a funding partner that understands both the numbers and the realities on the ground.
“New Lock helped us refinance stacked merchant cash advances into a single ABL facility that freed up our cash flow and let us get back to running the business.”
Why Businesses Choose New Lock
- Immediate Loan Pre-Qualification
- Easy to use Credit Forms
- Hands-on deal support from initial call through closing
- Access to a curated network of lenders and capital providers
- Experience across multiple industries and asset classes
- Transparent communication and great experience!
Start the Conversation
Tell Us About Your Funding Needs
Share a few details below and a New Lock Capital specialist will respond with next steps.
Talk with a Funding Specialist