Point Capital Services · Sugar Land, Texas

Fund Your Business. Own Your Future

Explore SBA and commercial financing options for business acquisitions, commercial real estate, expansion, equipment, construction, and other qualified business needs.

Commercial & SBA Loans

Fund Your Business. Own Your Future

Whether you’re acquiring a business, purchasing commercial real estate, expanding your operations, or investing in equipment — we help business owners explore SBA and commercial financing options designed around their goals.

$20M+

Commercial Loans Funded

SBA

7(a) & 504 Financing

4+

Commercial Financing Options

SBA Loans

SBA Financing, Made Simple

SBA loans are financing options offered by participating lenders with SBA guarantees designed to support eligible small businesses. Depending on the program, lender, and transaction, SBA financing can offer longer repayment terms and flexible financing options compared with some conventional commercial loans.

SBA 7(a) Loan

Flexible SBA Financing

The SBA 7(a) program can be used for a variety of eligible business purposes, including acquisitions, working capital, equipment, real estate, and refinancing eligible business debt.
  • Business Acquisition
  • Equipment
  • Partner Buyout
  • Working Capital
  • Debt Refinance
  • Commercial Real Estate

SBA 504 Loan

Long-Term Financing for Real Estate & Equipment

The SBA 504 program is designed primarily for eligible owner-occupied commercial real estate and major fixed assets, providing long-term financing for qualified projects.
  • Commercial Real Estate
  • Heavy Equipment
  • Construction & Improvements
  • Long-Term Fixed-Rate Financing

Industries We Serve

Industry Experience That Matters

Every industry has its own challenges. Our experience across different business types helps us understand the financing considerations involved in structuring complex commercial transactions.

Gas Stations

We understand the financing considerations involved in these transactions.
  • Branded & unbranded locations
  • Environmental review considerations
  • Fuel + convenience store combinations
  • SBA 7(a) financing may be an option

Montessori & Private Schools

We understand the financing considerations involved in these transactions.
  • Montessori & private schools
  • Childcare centers
  • Licensing & accreditation considerations
  • SBA 7(a) may be an option

Warehouses & Industrial

We understand the financing considerations involved in these transactions.
  • Owner-occupied industrial properties
  • Cold storage & flex space
  • SBA 504 may be a fit
  • Long-term financing options

Manufacturing

We understand the financing considerations involved in these transactions.
  • Equipment & real estate
  • Machinery valuation considerations
  • SBA 7(a) or 504 depending on the structure
  • Eligible working capital needs

Retail & Franchises

We understand the financing considerations involved in these transactions.
  • Franchise acquisitions
  • Independent retail
  • Restaurants & food service
  • SBA 7(a) may be an option

Healthcare & Medical Practices

We understand that healthcare transactions can involve both business acquisition and real estate financing considerations.
  • Medical & dental practices
  • Practice acquisitions
  • Owner-occupied real estate
  • SBA 7(a) financing may be an option

Beyond SBA

More Commercial Financing Options

SBA financing isn’t the right fit for every transaction. We also offer access to other commercial financing solutions for qualified business owners and investors.

Conventional Commercial Loans

Commercial financing for established businesses and investors who may not fit SBA guidelines or prefer conventional financing structures. Terms and requirements vary by lender and transaction.

Hard Money Loans

Asset-based financing for qualified investors and borrowers who need a financing solution where speed and property value are important considerations.

Investor Construction

Construction financing options for eligible real estate investors building, renovating, or developing properties for resale or rental purposes.

Commercial Bridge Loans

Bridge financing can help qualified borrowers move forward when timing matters, including property acquisitions, refinancing, or transactions awaiting longer-term financing.

Why Point Capital

Experience for Complex Commercial Transactions

Commercial financing can involve environmental reviews, franchise agreements, equipment valuations, business acquisitions, and other transaction-specific considerations. Our experience helps us navigate these complexities and explore financing structures that may fit.

SBA 7(a) & 504 Experience

We understand the structures, documentation, eligibility requirements, and lender processes involved in SBA financing.

Industry Knowledge

We understand financing considerations involved in gas stations, schools, warehouses, manufacturing, retail, franchises, and other business types.

Creative Deal Structuring

Commercial transactions don’t always fit a standard financing model. We look at the complete transaction and explore financing structures that can help address unique deal requirements and borrower objectives.

Broad Financing Expertise

From SBA and conventional financing to bridge, hard money, and construction solutions, we understand the different financing tools available and help identify options that fit the transaction.

Ready to Finance Your Business?

Whether you’re buying a business, purchasing commercial real estate, expanding your operation, or financing equipment, let’s explore the financing options available for your situation.
Talk to a Loan Officer — Free Consultation
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