Use working capital for deposits, build-out and moving costs, and longer-term loans for purchases. Plan payments around the slower ramp-up at a new space.
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Moving into a new commercial space usually involves three costs: the deposit and lease commitment, the build-out to make the space usable, and sometimes the purchase of the property itself. Each one is financed differently.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Approved files are usually funded the next business day.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
Advances, lines of credit and second-position options in one place.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Leasing is the most common path. Landlords typically ask for a security deposit, first month of rent and sometimes personal guarantees, and may offer tenant improvement allowances that cover part of the build-out. Negotiating a larger allowance or a few months of free rent can reduce how much outside financing you need, so do that before borrowing.
Build-out costs, including walls, electrical, plumbing, flooring, signage and fixtures, often exceed what owners expect. A restaurant kitchen or medical office can run into six figures. Term loans and SBA 7(a) loans can finance build-outs over several years. Equipment inside the space, such as ovens, chairs or diagnostic machines, can be financed separately with equipment loans. Revenue-based funding can cover gaps quickly when timelines are tight, but its shorter term suits smaller pieces of the project.
Buying the property is a long-term decision best matched with long-term financing. The SBA 504 program, which pairs a bank loan with a Certified Development Company loan, is designed for owner-occupied commercial real estate, typically requiring a down payment of around 10% for many borrowers. Conventional commercial mortgages are another route.
Plan the ramp-up. A new location rarely reaches full revenue immediately, so budget for months of rent and payroll before it breaks even. Avoid funding a long build-out entirely with short-term capital, because daily or weekly payments will start before the new space produces revenue. MFE can provide fast capital for specific pieces, with credit from 500 considered.
Here is a short-term offer that could cover a gap in a build-out budget. Illustrative numbers.
| Funding for the project | $60,000 |
| Total payback (factor 1.45) | $87,000 |
| Term | ~26 weeks |
| Payment per week | $3,346 |
| Monthly payment the project must cover | $14,489 |
| Your estimate of added monthly profit | $20,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Deposit and first rent | Cash reserve or working capital |
| Build-out | Term or SBA 7(a) loan, TI allowance |
| Equipment | Equipment financing |
| Property purchase | SBA 504 or commercial mortgage |
| Ramp-up period | Reserve or line of credit |
Good fit:
Probably not yet:
Money a landlord contributes toward building out a leased space.
Yes, with term or SBA loans, plus equipment financing for fixtures and machines.
A program for owner-occupied real estate and major equipment, combining a bank loan with a CDC loan.
It varies; budget several months of costs before break-even.
For smaller, time-sensitive pieces of the project, yes.
Revenue-based options begin at 500.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding