SBA · EQUIPMENT · WORKING CAPITAL · ALTERNATIVE
Encore Business Development is a financing advisory and brokerage firm for established businesses ready to grow. We review your deal the way a lender will evaluate it, prepare it to be approved, and put the right people in place to carry it through.
For owners planning an acquisition, an expansion, a property purchase, or an equipment move.
Advisor first
We start with your plan and your numbers, not a product to sell.
SBA and beyond
SBA 7(a) and 504 for long-term growth, plus alternative paths when timing or fit calls for them.
Beyond the loan
Business development support around the financing when the plan calls for it, including business formation, merchant processing, and commercial real estate services — available if needed.
Handled with care
Your information stays with our team and is never sold.
Every business has unique financing needs. We start with your plan and your numbers, then guide you to the financing that fits. Starting with the wrong lender wastes time, so we help you move forward with confidence and a clearer plan. Sometimes the right answer is to prepare first and borrow later.
01
Our primary program. It funds acquisitions, expansion, partner buyouts, working capital, and owner-occupied real estate, with long terms that keep payments steady.
02
For commercial real estate and major equipment, with long fixed-rate terms that suit property and other long-lived assets.
03
Vehicles, machinery, and technology for the work ahead, secured by the equipment itself.
04
Short-term funding for payroll, inventory, and seasonal swings, structured around the business cycle.
05
Revenue-based and private financing for tight timing or plans that do not fit SBA guidelines yet.
06
Personal loans and business credit lines for newer businesses whose owners have strong personal credit, structured with care.
Lenders set terms, rates, and approvals. We prepare, advise, and advocate through the process and never guarantee an approval or a rate.
Fill out the short intake form on this page. We review it and reach out to schedule an intro call.
On the call, we learn about the business and the plan. We then review the numbers the way a lender will and prepare the deal, including a clear roadmap of what to fix if the timing is not right yet.
We present the prepared deal to the right lender, bring in trusted specialists when the plan needs more, and stay involved through funding.
If you are ready to talk about your plans, fill out the short form and we will reach out to set up an intro call. If you have a quick question first, use the chat on this page.
Newer businesses are welcome to reach out, and we will tell you plainly where you stand.
No documents needed yet. If we move forward, we will send you a checklist built for your funding path.
Encore Business Development was founded by partners with backgrounds in business lending, financial consulting, and commercial real estate development. Between us, we have spent years preparing deals for lenders, running businesses of our own, and helping clients through major property and growth projects. We kept seeing the same thing: good businesses with real plans struggling to get the right financing in place, or getting it without the right people around them to carry the plan through. We built Encore to close that gap, starting with careful preparation and bringing together the right team for each client's next move.
Many of our clients come to us through trusted business relationships, and we work to honor that trust in every engagement.
Five questions owners and advisors often ask.
No. We are a financing advisory and brokerage firm. We prepare and structure the deal, present it to the right lender, and advocate for you through closing. The lender makes the final decision and sets the rate.
Not at the start. The first review involves no hard credit inquiry. A hard inquiry happens only when a lender formally underwrites the deal, and only with written permission.
It depends on the path and the support needed. Often the lender compensates us when the loan funds. Deeper advisory work carries a flat fee agreed in writing before work begins. All fees are disclosed up front, and on SBA loans they are disclosed to the lender and the SBA as required.
It depends on the path and how prepared the file is. SBA financing typically takes several weeks to a few months, and alternative options move faster. Preparation is the biggest factor we control.
Most paths start with recent bank statements, a use-of-funds estimate, and ID. SBA financing adds tax returns, financial statements, a debt schedule, and details on any business or property being purchased. We will provide a specific checklist.
If your question is not answered here, use the chat on this page and we will help.
START A CONVERSATION
Fill out a short intake form. We review every submission personally and will reach out to set up an intro call.
Secure: encrypted in transit · Seen only by our team · Never sold.
Fill out the short form, and we will reach out to set up an intro call.