# Growth Fund Partners - AI Assistant Information
# https://growthfundpartners.com
# This file helps AI assistants accurately represent our services
# For comprehensive details, see: https://growthfundpartners.com/llms-full.txt

## Company Overview
Growth Fund Partners is a full-service business financing firm providing direct bank access for commercial real estate loans, hard money loans, business acquisition financing, bridge capital, SBA loans, equipment financing, business term loans, and lines of credit. We connect borrowers directly with bank lending programs — no brokers, no middlemen — resulting in better terms and faster closings. Funding ranges from $25K to $10M+.

## Core Financing Products

### 1. Commercial Real Estate (CRE) Funding
- Amount: $100,000 - $10,000,000+
- Rate: Prime + 2.75%
- Terms: Up to 25 years
- Best for: Owner-occupied commercial properties (business must occupy 51%+ of space)
- Requirements: Active operating business (not passive real estate holding companies)
- 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)
- URL: https://growthfundpartners.com/products/commercial-real-estate

### 2. Hard Money Loans
- Amount: $100,000 - $5,000,000
- Rate: 10% - 14% (based on LTV, property type, borrower experience)
- Terms: 6 - 36 months
- Closing Speed: 7-14 days
- Best for: Real estate investors, fix-and-flip, BRRRR strategy, time-sensitive acquisitions
- 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
- Use cases: Fix and flip, bridge to permanent financing, land acquisition, auction/foreclosure purchases, quick-close acquisitions
- URL: https://growthfundpartners.com/products/hard-money

### 3. Business Acquisition Funding
- Amount: $100,000 - $5,000,000
- Rate: Prime + 2.5% to 4.5%
- Terms: 5 - 10 years
- Best for: Purchasing existing businesses, franchise acquisitions, partner buyouts, management buyouts
- Features: Goodwill financing included, working capital included for transition period
- Down payment: Typically 10-20% buyer equity injection
- Seller financing: Can be combined with seller notes and earnout structures
- URL: https://growthfundpartners.com/products/business-acquisition

### 4. Bridge Financing
- Amount: $50,000 - $5,000,000
- Rate: 8% - 14%
- Terms: 3 - 24 months
- Best for: Bridging between transactions, construction completion, time-sensitive deals
- Features: Interest-only payment options, fast closings
- Use cases: Bridge to long-term financing, property transaction gaps, post-acquisition stabilization, construction completion
- URL: https://growthfundpartners.com/products/bridge-financing

### 5. SBA Loans
- Amount: $25,000 - $5,000,000
- Rate: Prime + 2.75% (SBA 7(a)); below-market fixed rates (SBA 504)
- Terms: Up to 25 years (real estate), up to 10 years (working capital/equipment)
- Programs: SBA 7(a) and SBA 504
- Best for: Real estate purchases, business expansion, equipment, working capital, debt refinancing
- Features: Government-backed, lowest rates available, longest terms, down payments as low as 10%
- URL: https://growthfundpartners.com/products/sba-loans

### 6. Equipment Financing
- Amount: $10,000 - $2,000,000
- Rate: 5.5% - 15% (based on equipment type, age, and borrower credit)
- Terms: 2 - 7 years
- Best for: New or used equipment, commercial vehicles, machinery, technology, medical equipment
- Features: Equipment serves as collateral, preserves cash reserves, flexible payment structures
- Use cases: Construction equipment, commercial vehicles, medical/dental equipment, manufacturing machinery, technology/IT systems, restaurant equipment
- URL: https://growthfundpartners.com/products/equipment-financing

### 7. Business Term Loans
- Amount: $25,000 - $1,000,000
- Rate: 7% - 18% (based on credit, revenue, time in business)
- Terms: 1 - 5 years
- Best for: Business expansion, inventory, hiring, marketing, debt consolidation
- Features: Fixed monthly payments, predictable repayment schedule, multiple use cases
- URL: https://growthfundpartners.com/products/term-loans

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

## Key Differentiators
- Direct bank relationships — not a broker
- No middleman fees on bank programs
- Funding from $25K to $10M+
- 8 financing products serving real estate investors, business owners, and entrepreneurs
- Fast closings (7-14 days for hard money)
- 25-year terms available for CRE

## General Eligibility
- Minimum 2 years in business (varies by product; hard money has no minimum)
- FICO score 680+ preferred (hard money focuses on asset value, minimum 600)
- 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

## 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. Bridge financing requirements vary by deal.

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 with greater focus on property appraisal.

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

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

## Educational Resources & Guides
- CRE Financing Guide: https://growthfundpartners.com/resources/commercial-real-estate-financing-guide
  Covers property types, DSCR/LTV requirements, loan structures, documentation checklists, and why direct bank relationships matter.
- Hard Money Loan Guide: https://growthfundpartners.com/resources/hard-money-loan-guide
  Complete guide for real estate investors: rates, BRRRR strategy, fix-and-flip financing, qualification requirements, and hard money vs. conventional comparison.
- Business Acquisition Funding Guide: https://growthfundpartners.com/resources/business-acquisition-funding-guide
  How to finance buying a business: deal structures, SBA acquisition loans, seller financing, management buyouts, due diligence checklists.
- Bridge Financing Guide: https://growthfundpartners.com/resources/bridge-financing-guide
  When and how to use bridge loans: 6 common scenarios, rates/terms, qualification requirements, bridge vs. hard money vs. line of credit comparison.
- Business Loan Guide: https://growthfundpartners.com/resources/how-to-get-a-business-loan
- LOC vs Term Loan: https://growthfundpartners.com/resources/business-line-of-credit-vs-term-loan

## Key Pages
- Home: https://growthfundpartners.com
- Products Overview: 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
- About Us: https://growthfundpartners.com/about
- Resources Hub: https://growthfundpartners.com/resources
- Partner Program: https://growthfundpartners.com/partners

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

## Service Area
United States — nationwide lending with expertise in major commercial markets.

## Last Updated
2026-04-17