SBA · C&I · Commercial Real Estate · Private Bridge
When banks say no, we find solutions.
Banks don’t always have the flexibility to finance every opportunity. We help business owners, entrepreneurs and real estate investors get funded when conventional lenders fall short.
Get a second look at your deal
Declined by your bank, or offered less than you need? A real person reviews every request within one business day.
- SBA loans
- Business / C&I financing
- Commercial real estate
- Private bridge loans
A bank’s decision shouldn’t be the end of your opportunity.
Declined by your bank
A no from one bank is one credit box. We take the deal to lenders whose guidelines actually fit it.
Need a creative structure
Bridge-to-perm, layered capital, asset-based or SBA structures built around how your deal really works.
Outside traditional guidelines
Speed, property condition, borrower profile or timing — our lending network goes beyond conventional banking.
$350K–$50M
Transaction sizes
Local & national
Lending partner network
Hundreds
Business owners funded
1 business day
Response on every request
What we specialize in
Four core programs. One team.
SBA Lending
SBA 7(a), 504 and USDA programs — longer terms and lower down payments than a conventional loan. Acquisitions, owner-occupied real estate, expansion.
C&I Financing
Commercial & industrial loans for operating businesses — term debt, lines of credit, asset-based lending, equipment and acquisitions.
Commercial Real Estate
Purchase, refinance and construction financing for investors, developers and owner-users across property types.
Private Bridge Lending
Short-term, asset-focused capital when speed matters or the property needs time before permanent financing.
Also available: equipment leasing, receivables financing, invoice factoring, merchant cash advance and revenue-based lines. Learn more
How it works
We underwrite it like it’s our money — before a lender ever sees it.
01
Tell us the deal
Amount, purpose, collateral, timing — and why the bank said no, if it did.
02
We structure and place it
We size the loan, package the file and take it to the partners in our network that fit.
03
Close and fund
You compare real term sheets. We work the conditions with you through closing.
What our clients say
Funded, and coming back.
“When the pandemic hit, we had to get creative — fast. FOCUS Lending helped us navigate the options available given our industry and years in business. We couldn’t have survived without them.”
“As a commercial real estate developer, I’m always looking for funding partners who can help me execute quickly. FOCUS is that funding partner. Fast and flexible, indeed!”
“I was referred to FOCUS for business funding. They helped me identify the right solution to get the funding I needed.”
Building or buying rentals?
Ground-up construction and DSCR loans for real estate investors run through our sister company, Focus DSCR.
For lenders
Qualified deal flow, packaged and underwritten.
We send files that fit your box — with the numbers already run. Tell us what you lend on and we’ll route the right opportunities to you.
Your goals. Our focus.
Got a no from your bank? Send it to us.
You’ll hear back from a lender — not a call center — within one business day.