Business Financing Solutions
Conventional Term Loans • Working Capital • Partner Buyouts • Expansion
Business financing and commercial lending programs serve established companies, operating businesses, and commercial property owners who need conventional term loans, lines of credit, partner buyouts, recapitalizations, equipment financing, or working capital outside of SBA-guaranteed structures. Conventional business financing is underwritten against the operating company's cash flow, collateral position, guarantor strength, and industry risk profile, with loan structures tailored to the specific capital need rather than a standardized government program. Transactions range from $750,000 to $25 million and above, covering manufacturing, distribution, logistics, healthcare, professional services, construction, transportation, technology, food and beverage, and other established operating sectors where the business demonstrates sufficient debt service coverage, operating history, and management continuity.
Commercial and industrial (C&I) financing is structured differently than SBA or government-backed programs. There is no SBA guarantee, no CDC debenture, and no federal eligibility requirements. The underwriting is between the borrower and the capital source, with credit decisions driven by the company's financial performance, collateral coverage, and the strength of the guarantor. That creates more flexibility in structure but also requires a more precise credit presentation. Cornovus Capital structures and executes conventional business financing nationwide, building each transaction to institutional credit standards with full financial modeling, collateral analysis, debt service coverage testing, and guarantor evaluation completed before a capital partner is engaged. Eligible use cases include business acquisitions, management buyouts, partner equity transitions, franchise portfolio expansion, equipment and fleet financing, tenant improvement and build-out capital, debt consolidation and refinance, and working capital facilities for seasonal or growth-stage operations.
Typical Business Loan Terms
| Loan Types | Term loans, working capital lines, equipment, owner-occupied and investor real estate financing |
| Loan Size | $1 million – $25 million+, depending on collateral and credit profile |
| Amortization & Term | 3–10 years typical; up to 25 years for owner-occupied real estate |
| Rate Structure | SOFR or Prime + market spread; fixed-rate options available |
| Collateral | General business assets, real estate, or personal guarantees as required |
| Leverage / Coverage | Up to 3.5x total leverage; DSCR ≥ 1.25x on stabilized cash flow |
| Closing Timeline | 30–60 days from executed term sheet and completed diligence |
Who Qualifies for Business Financing?
- Profitable businesses with consistent EBITDA and verifiable financial statements.
- Companies pursuing acquisitions, buyouts, or recapitalizations.
- Borrowers seeking to refinance high-cost or short-term debt.
- Operators expanding production, staffing, or facility footprint.
- Multi-unit or multi-market companies seeking scalable credit solutions.
Eligible Business Financing Use Cases
- Acquisition financing: Purchase of operating companies with transferable goodwill and cash flow.
- Partner buyout: Equity consolidation and ownership transition planning.
- Working capital: Funding receivables, payroll, inventory, or contract expansion.
- Equipment financing: Purchase or lease of machinery, technology, or production assets.
- Owner-occupied real estate: Acquisition or refinance of business-occupied facilities.
- Debt consolidation: Refinance multiple merchant or equipment loans into efficient term structure.
Ineligible Business Transactions
- Passive or investment-only entities without operating income.
- Speculative real estate or development-only projects.
- Start-ups lacking operational history or cash flow support.
- Pyramid, MLM, or unverified business models.
- Businesses with excessive leverage or unresolved tax obligations.
About Cornovus Capital
Cornovus Capital structures and executes SBA loans, bridge financing, CMBS, SBA 504, conventional multifamily, and LifeCo transactions for sponsors, developers, owner-operators, and operating businesses nationwide. Every transaction is underwritten to institutional credit committee standards, with structural issues identified early, sizing built to lender reality, and the full credit package prepared before a capital partner is ever engaged.
Our expertise spans CMBS and LifeCo financing, private capital solutions, structured debt strategies, SBA 7(a) and 504 loans. By focusing on certainty of execution, disciplined underwriting, and closing assurance, we guide businesses and investors through complex capital markets environments, securing financing aligned with long-term ownership and investment objectives.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve’s Monetary Policy resources.
Connect with Cornovus Capital
Exploring conventional business financing options for acquisition, refinance, construction or recapitalization? Cornovus Capital delivers institutional execution — combining credit analysis, loan structuring, and lender coordination to achieve transparency, speed, and certainty of execution from underwriting through closing.
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