Business Loans
Expansion, renovations, larger investments
A lump sum for a defined plan, repaid over a set term.
Why Funding
Grow on Your Timeline
The businesses that grow are often the ones that act when the opportunity is in front of them. Here's how smart capital can help you invest in growth now, and why getting it can be simpler than you think.
The Growth Mindset
Why growing businesses use capital
Businesses of every size use financing as a normal part of growing. In the Federal Reserve's 2025 Small Business Credit Survey, 86% of small employer firms said they use financing regularly. Instead of waiting years to save for the next step, funding lets you put money to work now on things that can pay you back over time: more inventory, more staff, better equipment, more customers.
Used with a plan, business funding helps you:
- Say "yes" to big orders, new contracts, and seasonal demand
- Keep your own cash reserves on hand for day-to-day operations
- Move on time-sensitive opportunities, like bulk discounts, a great location, or a key hire
- Build a relationship with a funding partner who knows your business
Waiting on savings
Grow later
Funding the opportunity
Grow now
Illustrative only. Not a projection or guarantee of results.
Match the Money to the Goal
The right product for each growth move
Every goal is different. Here's how our financing options commonly line up with what owners want to do. Our team will help you compare options for your situation.
Lines of Credit
Cash flow, seasonal swings, short-term needs
Draw what you need, when you need it, up to your limit.
Merchant Cash Advances
Fast working capital
Capital based on your future sales, which can be an option for businesses with strong card or sales volume.
Equipment Financing
Machinery, vehicles, technology
Spread the cost of equipment so it can help you earn while you pay for it.
SBA Loans
Long-term growth
Government-backed loan programs for qualifying small businesses.
Commercial Real Estate Loans
Buying or improving property
Financing to buy, refinance, or improve the space your business operates in.
Industry Insight
Small business drives the economy. Smart funding keeps it moving.
Small businesses are the backbone of the U.S. economy, and more of them are looking beyond the traditional bank branch for capital. Online and alternative funding has grown because it gives owners more ways to get the working capital they need.
U.S. small businesses
Small businesses make up 99.9% of all U.S. firms.
Source: SBA Office of Advocacy, Frequently Asked Questions About Small Business (Feb 2026) ↗of private-sector workers
U.S. small businesses employ 62.3 million people.
Source: SBA Office of Advocacy (Feb 2026) ↗of U.S. GDP
That's the share of economic activity that comes from small businesses.
Source: SBA Office of Advocacy (Feb 2026) ↗Online lenders are on the rise
Among small employer firms that applied for a loan, line of credit, or cash advance, the share that applied at online lenders rose from 17% in the 2020 survey to 29% in the 2025 survey.
Source: Federal Reserve Banks, 2026 Report on Employer Firms (2025 Small Business Credit Survey) ↗sought funding to grow
Of firms that sought financing, 46% did so to pursue an expansion or new opportunity.
Source: Federal Reserve Banks, 2025 Small Business Credit Survey ↗use financing regularly
Credit cards and loans are the most common products.
Source: Federal Reserve Banks, 2025 Small Business Credit Survey ↗Why owners choose alternative funding: In the Fed's survey, firms that applied at online lenders most often pointed to a better chance of being approved, quick service, and not needing collateral. Source: Federal Reserve Banks, 2025 Report on Employer Firms (2024 SBCS), PDF ↗
Small businesses are defined as firms with fewer than 500 employees. The Small Business Credit Survey is a convenience sample of small employer firms. Figures are as published by their sources.
Growing the Smart Way
Make every dollar work for you
The most successful owners treat funding as an investment. A few simple habits help capital do its best work.
Start with the goal
Know what the funds are for, whether it's a new hire, an equipment upgrade, or a marketing push, and how it helps revenue.
Match the term to the use
Short-term needs fit short-term products. Long-life assets fit longer terms.
Know the full terms
We provide clear terms before you commit, so you can plan with confidence.
Grow your relationship
As your business grows, so can your options. We're here for the next step too.
Simple By Design
The simple way to get business funding
You're busy running a business. Getting capital shouldn't feel like a second job. We keep every step clear, quick, and personal.
- 01
Easy to start
Apply online, call (646) 791-2395, or visit us at 160 Pearl St. Our online application takes just a few minutes.
- 02
Fast response
Most applications receive an initial response within 24–48 hours.
- 03
Flexible criteria
Credit history is one factor, not the whole story. We look at your overall business health, revenue, and growth potential. Less-than-perfect credit? You can still apply.
- 04
One clear checklist
No guesswork about paperwork. Our team gives you a detailed checklist for your specific application type.
- 05
Clear terms first
We provide clear terms before you commit to any agreement, so you always know what you're signing.
- 06
Funded quickly
Depending on the type and size of financing, full approval and funding can occur within 1–2 weeks.
The traditional route can mean
- Longer timelines
- Collateral requirements
- Decisions based mostly on credit score
With Synergy Capital
- Initial response in 24–48 hours
- A holistic review of your business
- Six financing options under one roof
FAQ
Questions about funding growth
How can business funding help my company grow?
Funding can help you act on opportunities sooner instead of waiting to build up savings. Owners commonly use capital to purchase inventory, hire staff, upgrade equipment, invest in marketing, open new locations, or smooth out cash flow. The right product depends on your goals, and our team will help you compare options.
What is a merchant cash advance?
A merchant cash advance provides working capital in exchange for a portion of your business's future sales. Because it is based on your sales, it can be an option for businesses that may not fit traditional bank criteria. Terms vary, and we provide clear terms before you commit to any agreement.
Why choose Synergy Capital instead of going only to a traditional bank?
Many business owners value a simple application, a fast initial response, and a review that looks at the whole business. Synergy Capital offers six financing options, from SBA loans and commercial real estate loans to lines of credit and merchant cash advances, so we can help you find the right fit. Most applications receive an initial response within 24-48 hours.
Can I apply if I have less-than-perfect credit?
Yes. While credit history is one factor we consider, we take a holistic approach to evaluating applications. We look at your overall business health, revenue, growth potential, and other factors. We believe in finding solutions that work for our clients.
In Their Words
What owners are saying
Synergy Capital is everything those two words mean! Combined greatness and Liquidity! This company changed business's for the better and the lives that's attached to it! #SynergyCapital
I got a phone call from one of there sale rep he sounded convincing so i give it a shot, In about 30 minutes Funding Manager contacted me and explain everything really good and honest what I qualified for I sent them 3 month of my Business bank statements...
Reviews from Yelp, shown verbatim.
Ready to Grow?
Take the first step toward your growth goals. Most applications receive an initial response within 24–48 hours.