Financing Solutions
Seed Holdings offers a full suite of direct lending products — from SBA loans to equipment financing — structured around the way your business actually operates.
SBA loans are government-backed financing solutions offering some of the most competitive interest rates and longest repayment terms available to small businesses. Because the SBA guarantees a portion of the loan, lenders like Seed Holdings can offer more favorable terms than conventional financing.
Ideal for: acquisition, expansion, real estate purchase, refinancing existing debt, or major capital improvements.
Acquire the machinery, vehicles, technology, and tools your business needs — without depleting your working capital. Equipment financing lets you spread the cost of major purchases over time while the equipment itself often serves as collateral, making approval more accessible.
Ideal for: manufacturing equipment, commercial vehicles, medical devices, restaurant equipment, construction machinery, and technology infrastructure.
Working capital financing provides the liquidity to cover day-to-day operational expenses, bridge seasonal revenue gaps, fund growth initiatives, and seize time-sensitive opportunities. Unlike asset-backed financing, working capital loans are structured around your business's revenue and cash flow profile.
Ideal for: inventory purchases, payroll, marketing campaigns, seasonal preparation, and operational scaling.
A business line of credit gives you revolving access to capital — draw what you need, when you need it, and repay it on your schedule. Unlike a term loan, you only pay interest on the amount you actually draw, making it a highly efficient financial tool for businesses with variable cash flow needs.
Ideal for: businesses needing flexible, on-demand capital without the overhead of reapplying for each new need.
Stop waiting 30, 60, or 90 days for customers to pay. Invoice financing allows you to unlock the capital tied up in your outstanding receivables — typically advancing 80–90% of your invoice value within 24 hours. You maintain client relationships while Seed Holdings provides the liquidity bridge.
Ideal for: B2B businesses, service companies, staffing firms, and any business with slow-paying commercial customers.
Whether you're purchasing the building your business calls home, refinancing existing commercial debt, or acquiring an investment property, Seed Holdings provides competitive commercial real estate financing backed by the speed and flexibility of a direct lender.
Ideal for: owner-occupied commercial property, warehouse and industrial space, retail locations, and office buildings.
At a Glance
| Product | Amount Range | Typical Term | Decision Speed | Best For |
|---|---|---|---|---|
| SBA Loan | Up to $5,000,000 | 5–25 Years | 7–21 Business Days | Expansion, acquisition, real estate |
| Equipment Financing | $10,000 – $5,000,000 | 2–7 Years | 24–48 Hours | Machinery, vehicles, technology |
| Working Capital | $25,000 – $2,000,000 | 3–24 Months | 24–72 Hours | Cash flow, inventory, operations |
| Business Line of Credit | $10,000 – $500,000 | Revolving | 2–5 Business Days | On-demand flexible capital |
| Invoice Financing | Based on receivables | Invoice cycle | 24 Hours | B2B slow-pay receivables |
| Commercial Real Estate | $250,000+ | Up to 25 Years | 2–4 Weeks | Purchase or refinance CRE |
* All terms are subject to credit approval and may vary based on business financials, creditworthiness, and other factors. Contact us for a personalized quote.
Tell us about your business and our advisors will recommend the right financing structure for your goals.
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