Business Owner Loan

Healthcare

Medical offices and clinics

Dental practices

Veterinary clinics

Physical therapy centers

Pharmacies

Chiropractic offices

Assisted living facilities

Every day at Essencap Funding, we meet business owners facing the same critical question: how to finance their company's growth? After years of building a successful enterprise, many find themselves at a crossroads where expansion becomes necessary but the path forward isn't always clear.

The business world is in need of clear guidance when it comes to growth financing options. With numerous loan programs available, many owners become overwhelmed trying to determine which path will best support their expansion plans. What businesses truly need is expert guidance from professionals who understand both their specific business goals and the complexities of government-backed lending programs.

At Essencap Funding, we help small businesses navigate these financing decisions and have guided countless business owners through choosing the right loan structure for their expansion needs. Each program serves different purposes, and understanding their unique benefits can make all the difference in your business's growth journey.

  • Purchase or improve real estate (as long as your business occupies the property)

  • Secure working capital to weather seasonal fluctuations

  • Refinance existing business debt to improve cash flow

  • Acquire equipment to enhance operations

Professional Services

Accounting firms

Law offices

Insurance agencies

Marketing and advertising agencies

Architecture firms

Engineering consultancies Financial advisory practices

Retail

Boutique clothing stores

Hardware stores

Bookstores

Gift shops

Convenience stores

Grocery stores

Pet supply stores

Hospitality & Tourism

Hotels and motels

Bed and breakfasts

Campgrounds Tour operators

Event venues

Vacation rental properties

413 Application

Service-Based Businesses

Salons and barbershops

Spas and wellness centers

Laundromats and dry cleaners

Auto repair shops

Fitness centers and gyms

Childcare centers

Pet grooming services

Construction & Contracting

General contractors

Plumbing companies

Electrical contractors

HVAC specialists

Landscaping businesses

Roofing companies

LOAN REQUEST INSTRUCTION

Debt Schedule

Manufacturing & Production

Furniture makers

Clothing manufacturers

Food production facilities

Metal fabrication shops

Printing operations

Craft breweries and distilleries

Food & Beverage

Restaurants and cafes

Bakeries and coffee shops  

Breweries and wineries  

Food trucks and catering services

Specialty food stores      

1) To further understand your situation, can you provide the following information. 

  • 3-year personal tax return.

  • 3-year business tax return.

  • Year to date financial statement, balance sheet, income statement, AR, AP and inventory report.

2) Personal financial statement (1003 or SBA 413 form) (per attached)

3) Debt Schedule (per attached),

  • Please provide the most recent debt statement.

4) Three months bank (computer screen shoot is not acceptable)

5) If this is real estate acquisition, business target location, address, the purchase price.

  • Is the business use more than 50% of the space?

  • Is the business operating in the location already? Please provide copy of the lease.

  • If there are other tenants, please provide lease and rental income.

  • Please provide real estate tax and insurance.

6) If this is a working capital or inventory funding request, please explain how the loan will help you.

7) A one-page summary of your business.

8) Loan request, ideally what is the amount of financing would you like to obtain.

9) Please provide your credit condition, if you know of any judgment, late payment..etc.

Email to www.wecare@essencap.com or our loan portal.