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Commercial Loans


Businesses need or want capital to grow or expand yet not every business has an asset to pledge at all times. On another note, a business may have an asset to pledge but rather let the business’ revenue and credit speak for itself and qualify for the loan. Troy Business Group understands this need and being a Full Service Business Financing Firm, we are proud to offer the following Unsecured Business Capital products we can provide access to.

Equipment Leases​

Business Line of Credit

A business line of credit provides flexibility that a traditional loan for a business does not. A business line of credit differs from a term loan, which provides a one-time lump sum of cash upfront, repaid over a fixed timeframe. With a business line of credit, you can borrow up to a certain limit – say, $250,000 and pay interest only on the portion of money that is outstanding at the time. A business line of credit also allows the business the flexibility to draw up and down and repay funds as the business needs to, as long as the business does not exceed the credit limit. A Business Line of Credit in that sense, is similar to how credit cards, work for individuals.

Most of our lenders allow you to repay your balance in full early to save on interest costs.

Our Business Lines of Credit borrowing limits – typically ranging from $5,000 to $250,000.Business lines of credit with lower credit limits are typically unsecured, which means collateral such as real estate or inventory is not required.

Why a Business Line of Credit? Does your business ever need to manage cash flow, buy inventory, or pay for a unexpected expenses? Then perhaps a business line of credit makes sense for you and Troy Business Group can provide one for your business.

business term loan

Term loans come in different shapes and sizes for a small business. Business term loans can vary in the amount of time you have to repay them from 24 months to max 10 years the average is a 36-60 month term.

As long as your business has been operating for a minimum of 3 years under the current Tax ID/EIN Number, and the business is reporting a profit on the books for the last two years, plus the principals and the business have good credit score with no tax liens or judgment issues – a Business Term Loan can be a great financing product for your business.

Whether through a large bank, your local community bank, or an independent term loans provider, Business Term loans are on average your lowest cost of capital financing product.

Equipment Leases​

Equipment Leases​

SBA Financing

SBA loans are business loans guaranteed by the SBA and issued by participating lenders, mostly regional banks.

The SBA can guarantee up to 85% of loans of $150,000 or less and 75% of loans of more than $150,000. The SBA states its average loan amount was about $375,000 in 2016. The program’s maximum loan amount is $5 million.

Is your business interested in opening up a new location or perhaps hiring employees or refinance an existing loan?,SBA loans are a great option.

The SBA’s primary lending program, is the 7(a) Loan Program, which offers U.S government-backed term loans that can support a variety of financial needs. The program guarantees as much as 85 percent of loans up to $150,000 and 75 percent of loans greater than $150,000.


Funds can be used to:

  • Purchase or expand business
  • Purchase land or buildings
  • Construct or renovate a facility
  • Purchase equipment, fixtures, inventory, and working capital
  • Leasehold improvements
  • Refinance business debt

Available terms up to:

  • 25 years for real estate
  • 10 years for equipment (as long as the equipment is likely to stay useful during that time)
  • 7 years for working capital
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