Looking for business partner not just a business lender in Arizona? Well we’ve got your back.
At Rios Business Advisors, we understand that small businesses often need flexible and accessible financing options to grow and thrive. Our business lending services are designed to meet the diverse needs of small businesses, offering a range of customized solutions that fit your unique situation.
Whether you’re seeking small business loans to expand your operations, manage cash flow, or invest in new opportunities, we provide tailored lending options to ensure you get the support you need. Our Non-Recourse Funding Program, ‘Eye Level to High Level,’ is a key component of our offerings, providing innovative solutions without the typical risks associated with traditional funding.
We take pride in delivering personalized business lending solutions that cater to every need. Our goal is to help you secure the right financing to achieve your business objectives and drive success. Partner with us for expert guidance and customized lending solutions that align with your goals and support your growth.
Our business lending programs
At Rios Business Advisors, we provide a range of business loan options to meet your specific needs. Here are the main types of loans we offer:
Non-Recourse Funding Program: ‘Eye Level to High Level’
Our flagship loan option is the non-recourse funding program. This type of loan protects your personal assets by ensuring that, if your business project doesn’t succeed and you can’t repay the loan, the lender can only claim the collateral (such as the property you’re developing) and not your personal savings or other assets. While these loans might come with slightly higher interest rates due to the increased risk for the lender, they offer valuable peace of mind and the potential for significant returns, allowing you to pursue larger, riskier projects with confidence.
SBA Loans
Small Business Administration (SBA) loans are a popular choice for small businesses. They offer lower interest rates and longer repayment terms compared to traditional loans. SBA loans are partially guaranteed by the government, making them a lower-risk option for lenders and a more accessible option for borrowers.
Traditional Business Loans
These loans are provided by banks or credit unions and are suitable for a variety of business needs. They typically have fixed interest rates and terms, making them a stable option for financing.
Line of Credit
A business line of credit offers flexible access to funds, allowing you to borrow and repay as needed. It’s ideal for managing cash flow and covering short-term expenses.
Equipment Financing
This type of loan is specifically for purchasing or leasing equipment. The equipment itself serves as collateral, which can make it easier to qualify for financing.
Personal Loans for Business
Personal loans can be used for business purposes, especially if you’re a sole proprietor or need additional funds not covered by other loan types. These loans typically require a personal guarantee, and they may have higher interest rates compared to other business loans.
You don’t have to figure out which program works, we’ll do that for you!