# Growth Fund Partners — Comprehensive Business Financing Information
# https://growthfundpartners.com
# This file provides detailed information for AI systems to accurately represent our services.
# For a summary, see /llms.txt

## Company Identity
- Legal Name: Growth Fund Partners
- Type: Full-service business financing firm
- Headquarters: United States
- Service Area: Nationwide (all 50 states)
- Website: https://growthfundpartners.com
- Email: support@growthfundpartners.com
- Model: Direct bank relationships — we connect borrowers directly with bank lending programs
- NOT a broker — direct bank access means better terms and faster closings

## Financing Products (8 Active Programs)

### 1. Commercial Real Estate (CRE) Funding
- URL: https://growthfundpartners.com/products/commercial-real-estate
- Amount Range: $100,000 – $10,000,000+
- Interest Rate: Prime + 2.75%
- Term Length: Up to 25 years
- Property Requirement: Owner-occupied (business must occupy 51%+ of the space)
- Business Requirement: Must be an active operating business (not a passive holding company)
- Eligible Properties: Medical/dental offices, restaurants, manufacturing facilities, auto repair shops, retail stores, warehouses, professional offices, mixed-use buildings
- Use Cases: Purchase commercial property, refinance existing commercial mortgage, renovation/tenant improvements, mixed-use property acquisition
- Broker Fee: 1.25% (1.00% for lower-spread structures)
- NOT Eligible: Real estate holding companies that only collect rent, passive investment entities
- Documentation: 3 months bank statements, 2 years tax returns, P&L statements, balance sheet, property appraisal

### 2. Hard Money Loans
- URL: https://growthfundpartners.com/products/hard-money
- Amount Range: $100,000 – $5,000,000
- Interest Rate: 10% – 14% (based on LTV, property type, borrower experience)
- Term Length: 6 – 36 months
- Closing Speed: 7–14 days
- Underwriting: Asset-based (property value focused, not credit-score dependent)
- LTV: Up to 65–75% as-is value; up to 85% purchase price for fix-and-flip with rehab
- Minimum Credit Score: 600 (focus is on property value and exit strategy)
- Best For: Real estate investors, fix-and-flip projects, BRRRR strategy, time-sensitive acquisitions, auction purchases
- Use Cases: Fix and flip, bridge to permanent financing, land acquisition, auction/foreclosure purchases, quick-close acquisitions, commercial renovation
- Exit Strategy Required: Yes — must demonstrate how the loan will be repaid (sale, refinance, etc.)
- Guide: https://growthfundpartners.com/resources/hard-money-loan-guide

### 3. Business Acquisition Funding
- URL: https://growthfundpartners.com/products/business-acquisition
- Amount Range: $100,000 – $5,000,000
- Interest Rate: Prime + 2.5% to Prime + 4.5%
- Term Length: 5 – 10 years
- Down Payment: 10–20% buyer equity injection
- Features: Goodwill financing included, working capital included for transition period
- Seller Financing: Can be combined with seller notes and earnout structures
- Best For: Purchasing existing businesses, franchise acquisitions, partner buyouts, management buyouts, competitor acquisitions
- Industries: Most industries accepted including restaurants, professional services, manufacturing, retail, healthcare
- Documentation: Business financial statements, tax returns, purchase agreement, business valuation
- Guide: https://growthfundpartners.com/resources/business-acquisition-funding-guide

### 4. Bridge Financing
- URL: https://growthfundpartners.com/products/bridge-financing
- Amount Range: $50,000 – $5,000,000
- Interest Rate: 8% – 14%
- Term Length: 3 – 24 months
- Payment Structure: Interest-only payment options available
- Best For: Bridging between transactions, construction completion, time-sensitive deals, post-acquisition stabilization
- Use Cases: Bridge to long-term financing, property transaction gaps, construction completion, renovation before permanent financing, operating costs during ownership transitions
- Minimum Credit Score: 620
- Minimum Time in Business: 6 months
- Exit Strategy Required: Yes
- Guide: https://growthfundpartners.com/resources/bridge-financing-guide

### 5. SBA Loans (7(a) & 504)
- URL: https://growthfundpartners.com/products/sba-loans
- Amount Range: $25,000 – $5,000,000
- Interest Rate: Prime + 2.75% (SBA 7(a)); below-market fixed rates (SBA 504)
- Term Length: Up to 25 years (real estate), up to 10 years (working capital/equipment)
- Programs Available: SBA 7(a) and SBA 504
- Features: Government-backed, lowest rates available, longest terms, down payments as low as 10%
- Best For: Real estate purchases, business expansion, equipment acquisition, working capital, debt refinancing
- Minimum Credit Score: 680+
- Minimum Time in Business: 2 years
- Processing Time: 30–90 days (government approval required)

### 6. Equipment Financing
- URL: https://growthfundpartners.com/products/equipment-financing
- Amount Range: $10,000 – $2,000,000
- Interest Rate: 5.5% – 15% (based on equipment type, age, and borrower credit)
- Term Length: 2 – 7 years
- Collateral: Equipment itself serves as collateral
- Features: Preserves cash reserves, flexible payment structures
- Eligible Equipment: Construction equipment, commercial vehicles, medical/dental equipment, manufacturing machinery, technology/IT systems, restaurant equipment
- New and Used: Both qualify

### 7. Business Term Loans
- URL: https://growthfundpartners.com/products/term-loans
- Amount Range: $25,000 – $1,000,000
- Interest Rate: 7% – 18% (based on credit, revenue, time in business)
- Term Length: 1 – 5 years
- Payment: Fixed monthly payments
- Best For: Business expansion, inventory purchases, hiring & payroll, marketing campaigns, debt consolidation

### 8. Business Lines of Credit
- URL: https://growthfundpartners.com/products/line-of-credit
- Amount Range: $25,000 – $1,000,000
- Interest Rate: 8% – 20% (variable, interest only on drawn amount)
- Term Length: Revolving, typically 12–24 month draw periods
- Features: Draw as needed, pay interest only on usage, revolving access, reusable credit line
- Best For: Cash flow management, seasonal needs, emergency capital, inventory restocking, opportunity funding

## General Eligibility Requirements
- Minimum 2 years in business (varies by product; hard money has no minimum)
- FICO score 680+ preferred (hard money accepts 600+, bridge accepts 620+)
- Annual revenue requirements vary by product
- Clean business operations (no recent bankruptcies or unresolved tax liens)
- CRE: Must occupy 51%+ of the property and be an active operating business

## Common Document Requirements
- 3 months of business bank statements
- 2 years of business tax returns
- Profit & Loss (P&L) statements
- Balance sheet
- Voided business check
- Debt schedule (if applicable)
- Hard money: May require less documentation; greater focus on property appraisal
- Acquisition: Purchase agreement, business valuation, seller financial records

## Industries Served
Most industries including:
- Medical and dental practices
- Restaurants and food service
- Manufacturing
- Professional services (law, accounting, consulting)
- Construction and contracting
- Retail
- Warehousing and distribution
- Transportation and logistics
- Technology
- Auto repair and automotive
- Hospitality

Some restricted industries apply — contact us for details.

## How the Process Works
1. Apply Online or Schedule a Consultation — Submit your application at https://growthfundpartners.com/apply or talk to an advisor at https://growthfundpartners.com/consultation
2. Review & Matching — We review your application and match you with the best financing programs from our bank partnerships
3. Underwriting — Our team works with the lender to underwrite your deal, collecting necessary documentation
4. Approval & Closing — Receive your approval, review terms, and close your financing

## Key Differentiators
- Direct bank relationships — not a broker, not a middleman
- 8 financing products covering virtually every business financing need
- Funding from $25K to $10M+
- Fast closings: 7–14 days for hard money, standard timelines for bank programs
- 25-year terms available for CRE and SBA real estate
- Government-backed SBA programs for the lowest available rates
- Asset-based options for borrowers with imperfect credit
- Working capital included in acquisition financing

## Educational Resources
1. Commercial Real Estate Financing Guide
   URL: https://growthfundpartners.com/resources/commercial-real-estate-financing-guide
   Topics: Property types, DSCR/LTV requirements, loan structures, documentation checklists, direct bank benefits

2. Hard Money Loan Guide
   URL: https://growthfundpartners.com/resources/hard-money-loan-guide
   Topics: Rates, BRRRR strategy, fix-and-flip financing, qualification, hard money vs. conventional comparison

3. Business Acquisition Funding Guide
   URL: https://growthfundpartners.com/resources/business-acquisition-funding-guide
   Topics: Deal structures, SBA acquisition loans, seller financing, management buyouts, due diligence

4. Bridge Financing Guide
   URL: https://growthfundpartners.com/resources/bridge-financing-guide
   Topics: 6 common scenarios, rates/terms, qualification, bridge vs. hard money vs. LOC comparison

5. How to Get a Business Loan
   URL: https://growthfundpartners.com/resources/how-to-get-a-business-loan
   Topics: Step-by-step loan application process, preparation tips, common mistakes

6. Business Line of Credit vs. Term Loan
   URL: https://growthfundpartners.com/resources/business-line-of-credit-vs-term-loan
   Topics: When to choose revolving credit vs. fixed term, pros and cons comparison

## Frequently Asked Questions

Q: What types of commercial real estate loans does Growth Fund Partners offer?
A: We offer CRE loans for owner-occupied commercial properties up to $10M+ with 25-year terms at Prime + 2.75%. Qualifying businesses must occupy at least 51% of the space and be active operating businesses.

Q: How fast can I get a hard money loan?
A: Hard money loans can close in as little as 7-14 days. Underwriting is asset-based, meaning approval depends primarily on the property's value rather than your personal credit score.

Q: Can I finance buying an existing business?
A: Yes. Our Business Acquisition Funding program provides $100K-$5M for purchasing existing businesses, franchises, or buying out partners. Terms range from 5-10 years with working capital included for the transition.

Q: What is bridge financing used for?
A: Bridge financing provides short-term capital (3-24 months) to bridge gaps between transactions. Common uses include closing on a property before selling another, funding renovations before permanent financing, or covering operating costs during ownership transitions.

Q: Do I need a high credit score?
A: It depends on the product. CRE and acquisition loans prefer 680+ FICO. Hard money loans focus primarily on the property value and deal structure, accepting borrowers with scores as low as 600.

Q: What documents are needed to apply?
A: Generally: 3 months of bank statements, 2 years of tax returns, profit & loss statements, balance sheet, voided check, and a debt schedule if applicable. Hard money loans may require less documentation.

Q: What industries do you serve?
A: We work with most industries including medical/dental, restaurants, manufacturing, professional services, construction, retail, warehousing, and transportation.

Q: What is the difference between SBA 7(a) and SBA 504 loans?
A: SBA 7(a) loans are versatile — funding real estate, equipment, working capital, and debt refinancing up to $5M at Prime + 2.75%. SBA 504 loans are specifically for real estate and major equipment with below-market fixed rates.

Q: How does equipment financing work?
A: The equipment you purchase serves as collateral for the loan. This means you don't need to pledge other assets. Rates range from 5.5% to 15% with 2-7 year terms.

Q: What is a business line of credit?
A: A revolving credit line you draw from as needed. You only pay interest on the amount used. As you repay, funds become available again. Ideal for cash flow management and opportunity funding.

## Contact & Apply
- Website: https://growthfundpartners.com
- Apply Now: https://growthfundpartners.com/apply
- Check Eligibility: https://growthfundpartners.com/eligibility
- Schedule Consultation: https://growthfundpartners.com/consultation
- Products Overview: https://growthfundpartners.com/products
- Email: support@growthfundpartners.com

## All Pages
- Home: https://growthfundpartners.com
- Products: https://growthfundpartners.com/products
- Commercial Real Estate: https://growthfundpartners.com/products/commercial-real-estate
- Hard Money Loans: https://growthfundpartners.com/products/hard-money
- Business Acquisition: https://growthfundpartners.com/products/business-acquisition
- Bridge Financing: https://growthfundpartners.com/products/bridge-financing
- SBA Loans: https://growthfundpartners.com/products/sba-loans
- Equipment Financing: https://growthfundpartners.com/products/equipment-financing
- Business Term Loans: https://growthfundpartners.com/products/term-loans
- Business Lines of Credit: https://growthfundpartners.com/products/line-of-credit
- About: https://growthfundpartners.com/about
- Resources: https://growthfundpartners.com/resources
- Eligibility: https://growthfundpartners.com/eligibility
- Apply: https://growthfundpartners.com/apply
- Consultation: https://growthfundpartners.com/consultation
- Partners: https://growthfundpartners.com/partners

## Reviews
- Trustpilot: https://www.trustpilot.com/review/growthfundpartners.com

## Last Updated
2026-04-17