Business Loans That Fuel Your Growth
From $5,000 to $5,000,000 with low APR starting at 4.99%. Applications are processed within 24 to 48 hours, and once approved you will be funded within a week or two. A dedicated loan officer who understands your industry, so you can focus on running your business.
Business Loan Highlights
✓ No Hidden Fees • ✓ Flexible Terms • ✓ Dedicated Loan Officer
Why Business Owners Choose HCHC
Capital when you need it, on terms that work for your business.
Loans from $5K to $5M
Financing that scales with your business — from startup capital to major expansion
Fast Approval
Applications are processed within 24 to 48 hours, and you will be funded within a week or two
Low, Fixed APR
Competitive rates starting at 4.99% with predictable monthly payments
Expert Loan Team
Specialists who understand your industry and structure the right loan
Business Financing for Every Need
The right loan structure for every stage and goal of your business.
Working Capital
Cover payroll, inventory, and day-to-day operations with flexible short-term funding
Equipment Financing
Purchase machinery, vehicles, and technology. The equipment often secures the loan
Commercial Real Estate
Buy, build, or refinance owner-occupied commercial property at low rates
Expansion & Growth
Fund new locations, product lines, or acquisitions to take your business to the next level
Fleet & Vehicles
Finance trucks, vans, and delivery vehicles with terms that match your cash flow
Inventory Financing
Stock up for peak season or new product launches without tying up your cash
Industries We Finance
From startups to established enterprises, we fund businesses across virtually every industry.
Retail & E-Commerce
Inventory and seasonal cash flow support
Professional Services
Working capital for firms and consultancies
Construction & Trades
Equipment and project financing
Manufacturing
Machinery, materials, and expansion capital
Logistics & Transport
Fleet financing and operating funds
Restaurants & Hospitality
Build-out, equipment, and working capital
The HCHC Business Loan Advantage
See how we compare to traditional banks and online business lenders.
| Feature | HCHC | Banks / Other |
|---|---|---|
| Starting APR | As Low as 4.99% | Often 12% to 25% |
| Funding Speed | Processed in 24 to 48 Hrs | Weeks to Months |
| Loan Amounts | $5K to $5M | Limited / Restrictive |
| Collateral | Flexible Options | Heavy Required |
| Application | 100% Online | Mountains of Paperwork |
| Dedicated Officer | Yes | Rarely |
Streamlined Business Loan Process
Getting funded shouldn't slow down your business.
Apply Online
Share your business details, loan amount, and intended use of funds
Quick Review
Our team reviews your revenue, time in business, and loan profile
Custom Offer
Receive a tailored loan offer with clear rate, terms, and payment
Get Funded
Sign online and receive funds in your account within a week or two after approval
Business Loan Questions Answered
Get clarity on how our business loans work for your company.
What types of business loans does HCHC offer?
We offer working capital loans, equipment financing, commercial real estate loans, expansion and growth loans, inventory financing, and fleet and vehicle financing. Loan amounts range from $5,000 to $5,000,000 with APRs starting as low as 4.99% and terms tailored to your business.
How fast can my business get funded?
Applications are processed within 24 to 48 hours. Once approved, you will be funded within a week or two. A dedicated loan officer works with you to finalize terms, with no lengthy bank appointments or endless paperwork.
What do I need to qualify for a business loan?
Requirements vary by loan type, but typically include time in business, annual revenue, and a basic credit review. We work with businesses across many industries and stages, and our specialists help structure the loan that fits your situation — even if a traditional bank said no.
Do I need collateral for a business loan?
Not always. We offer both secured and unsecured options. Equipment and vehicle loans are often self-secured by the asset, while working capital loans may be unsecured based on your business's revenue and credit profile.
Ready to Get the Loan
You Deserve?
Apply in minutes and discover how HCHC can get you funded with rates as low as 4.99% APR and terms that fit your life. Applications are processed within 24 to 48 hours, and once approved you will be funded within a week or two.