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Funding Businesses in SWFL since 2020
Business Capital: One size does NOT fit all
When seeking business funding in Florida; whether you're wondering whether you should go for a a business loan, line of credit, or cash advance, you’re more than likely not sure which one to go for and probably have many questions and concerns about each type. The word "loan" can be an all-encompassing, intimidating and complicated word for many, especially with an overwhelming amount of information from online sources, friends, and trusted advisors.
Add to that the horror stories about applying online and getting bombarded with multiple strangers calling with your private information... and knowing which is the best way to go - is a tough decision.
You're an expert in your business - but not necessarily in the lending/banking business.
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To help you navigate this, we’ve compiled answers to our clients’ most frequently asked questions. For detailed information on business capital and the specific services offered at 239 Loans, please contact us.
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Explore all of our financing solutions today and grow your business. Whether you are in Fort Myers, Naples, Cape Coral, Bonita Springs or anywhere else in Florida!
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Call Now: 239-234-2727
Are you a direct lender, bank or a broker?
Since the day that we branded as 239 Loans in March of 2020, we have always been brokers. This works in your benefit every time.
Why offer you only one credit underwriting box when we can offer all of them and meet you with the right type of capital for your specific request. Whether you are seeking capital to start up a business, take care of an emergency, expand a current business or acquire a competing business - we offer various approaches and funding options to get a custom funding solution to your problem.
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239 Loans is a representation of where we are located. 239 is the area code for SW Florida.
No... we do not offer 239 types of loans.
YES... we offer over 50 different types of funding programs, which can include: business term loans, business lines of credit, sale leaseback programs on equipment, revenue based funding also known as merchant cash advances (MCA), SBA and CDFI Loans and Lines of Credit. We can help your business buy property for rent, hold or development. Business credit cards for start ups and even hybrid business + personal loans for business owners with stronger credit scores (700+).
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At 239 Loans, we also offer other financial related programs such as a way to reduce the fees your business pays in monthly merchant processing without changing companies or even hardware. Works with every processor out there. We also offer credit restoration programs for credit challenged business owners or those who need a few more points to qualify and we offer consulting services for our clients interested in hiring us to walk their company the whole way through the financial rehabilitation process until the goal is met.
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We have a tool box of financial products for every phase of your business journey! ​
Why should I use you over a bank, direct lender or an online loan platform?
Banks are slow, full of red tape and aren't really motivated to provide loans or credit to businesses seeking less than $500,000. Financially speaking, it doesn't "move the needle" (pay enough commissions) for large banks to issue these types of loans to small business owners. 239 Loans specializes in providing capital under $500,000 in only DAYS as opposed to banks who can take WEEKS just to give you an answer. And best of all, our whole process is done ONLINE. Our rates start out as competitive as your local bank and we have loan products for all credit profiles. While banks continue to tighten their lending belt, come up with excuses and say "not at this time" throughout 2024, at 239 Loans, we will continue to say YES to working with business owners like yourself, till we get you the funding that you seek.
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Funding amounts from
$15,000 to $500,000 dollars is our specialty, but not our limit.
Call us to discuss your specific capital needs.
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And when it comes to applying online on .com sites like Lending tree, Business Loans and Others, these sites sell your information to various funding companies as they are data aggregate sites. We NEVER sell your information to 3rd parties. All lending partners are vetted and will NEVER call you without our consent on prior scheduling. Beware of applying on sites that sell your information to anyone who is willing to pay for it. With them, one application means many many many phone calls from unknown sources.
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At 239 Loans, we protect your data and protect your privacy.
What type of lenders do you have access to?
With the CEO having over 11 years of experience in business capital and lending, we have vetted banking partners for nearly every business type, profile and stage. From major banks, to equipment financing companies, family offices, private lenders, merchant cash advance / revenue -based funders, bank statement lenders, syndication groups and over 30 different SBA lending partners (for every industry!) across the country who specialize in almost every industry imaginable, we have options.
While our network of funding sources is vast, our real expertise is knowing WHERE to apply and WHAT to expect QUICKLY.
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Do not waste your time applying aimlessly online with TV lenders or worse, with random telemarketers.
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Call a name you can trust - 239 Loans for professional advice.