Restaurant Expansion
A growing restaurant needs capital for a second location, build-out, equipment, and opening inventory.
SBA 7(a) • Equipment Financing
BUSINESS FINANCING & CONSULTING
Capital Solutions For What’s Next
We help business owners evaluate financing opportunities, organize the process, and access capital solutions aligned with their operational needs and growth objectives.
Financing Solutions
MORE ON DESKTOP
Access More Interactive Financing Tools On A Desktop.
Visit Owens Capital from a desktop or laptop to use additional tools including Financing Match, the Funding Calculator, side-by-side financing comparisons, and an expanded interactive experience.
FINANCING MATCH 2.0
Build A Financing Profile In Less Than A Minute.
Adjust the business profile below and Owens Capital will surface several financing paths that may be worth exploring.
PATHS TO EXPLORE
SBA 7(a)
This tool provides general guidance only. It does not determine eligibility, approval, rate, term, or lender requirements.Industries We Serve
Put Your Capital to Work
Why Businesses Choose Owens Capital
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Personalized Guidance
From initial review through closing, we provide practical guidance focused on the next step in the process.
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Flexible Solutions
Financing options structured around different business needs, timelines, and growth objectives.
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Trusted Expertise
Clear, practical guidance informed by the financing requirements businesses encounter.
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Business Focused
Financing guidance that begins with how your business operates, earns revenue, and plans to grow.
MORE THAN FINANCING
A Partner In Your Growth
We provide more than access to capital. Owens Capital brings together financing guidance, organized execution, and solutions tailored to the needs of your business.
Diverse Businesses. Shared Opportunity.
We believe strong businesses are built by people with different experiences, perspectives, and ambitions. Owens Capital welcomes entrepreneurs from every background and community, with an approach centered on understanding each client’s business, objectives, and financing priorities.
- Streamlined application process
- Access to multiple financing pathways
- Responsive guidance throughout the process
- Solutions aligned with different stages of business growth
Our Simple Process
01
Apply
Tell us about your business, financing objective, and intended use of funds.
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Review
We review your business profile, financing objective, and available pathways.
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Get Matched
We help identify financing structures that align with your needs, timing, and objectives.
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Close
Complete the required documentation and move confidently toward closing.
How We Help Businesses Grow
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Fast Pre-Qualification
Gain a clearer view of potential financing paths through a streamlined application process.
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Strategic Financing Guidance
Understand financing structure, timing, requirements, and the options that may fit your business.
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Organized Document Support
Keep applications and supporting documents organized through one secure, centralized experience.
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Flexible Capital Solutions
Explore financing options designed for different operating needs, transactions, and stages of growth.
BUSINESS SCENARIO EXPLORER
See Financing Through Real Business Decisions.
Start with the situation your company is facing, then explore the financing paths that may fit the objective.
Manufacturing Upgrade
A manufacturer needs to replace production equipment without draining operating cash.
Equipment Financing • Term LoanContractor Cash-Flow Gap
A contractor has awarded work but must cover payroll and materials before customer payments arrive.
Line of Credit • Working CapitalCommercial Property
An established company wants to acquire an owner-occupied property for long-term operations.
SBA 504 • Commercial Real EstateINTERACTIVE FINANCING COMPARISON
Compare The Structures Side By Side.
Select two or three financing products to compare how they are commonly used.
SBA 7(a)
- Common uses
- Expansion, acquisitions, working capital and eligible refinancing
- Structure
- Longer-term
- Process
- More documentation / longer process
- Collateral
- Varies by request and lender
- Often considered when
- Broad established-business needs
Equipment Financing
- Common uses
- Vehicles, machinery, technology and equipment
- Structure
- Usually matched to asset life
- Process
- Often more streamlined than SBA
- Collateral
- Financed equipment commonly secures transaction
- Often considered when
- Preserving working capital
ILLUSTRATIVE FUNDING CALCULATOR
Explore How Amount, Term, And Rate Affect Payment.
Move the controls to see a simple amortizing-payment illustration. This is an educational planning tool, not an Owens Capital quote.
ESTIMATED MONTHLY PAYMENT$4,150Actual pricing, fees, term, payment frequency, and eligibility vary by product and provider. No rate or payment shown here is an offer.
Illustrative total payments $348,625
Illustrative financing cost $98,625
CAPITAL PLANNING CENTER
Plan The Capital Before You Need The Capital.
Financing decisions work best when they are tied to a defined business objective. Owens Capital helps clients think through the use of funds, timing, documentation, and financing structure before the transaction reaches a critical point.
Explore Planning Resources →01Equipment replacement
02Inventory and seasonal needs
03Expansion and new locations
04Acquisitions
05Commercial real estate
06Refinancing and cash-flow management
AI FINANCING CONCIERGE
Not Sure Where To Start? Ask Claire.
Claire can explain Owens Capital financing options, answer common SBA questions, help you prepare for an application, and narrow down financing paths to explore.
“What could fit an equipment purchase?”“SBA 7(a) or 504?”“What documents should I prepare?”
SECURE CLIENT EXPERIENCE
One Place For The Financing Process.
Clients can keep applications, business forms, supporting documents, messages, and financing activity organized in one secure portal.
Client login →DashboardINTERACTIVE PREVIEW
APPLICATIONIn Review
DOCUMENTS12
MESSAGES2 New
Business Loan Application CompleteBank Statements ReceivedBusiness Debt Schedule Complete
FREQUENTLY ASKED QUESTIONS
Know What To Expect Before You Apply.
Does applying guarantee financing?+
No. An application begins the review process. Financing availability, terms, structure, and approval depend on the business profile and the financing provider’s requirements.
What documents might I need?+
Requirements vary by financing type, but businesses may be asked for bank statements, ownership information, tax returns, financial statements, debt schedules, and documents related to the use of funds.
What is the difference between SBA 7(a) and SBA 504?+
SBA 7(a) can support a broad range of eligible business purposes, while SBA 504 is generally focused on qualifying owner-occupied real estate and major fixed assets.
Can Claire help me choose a financing path?+
Yes. Claire can help explain financing options and narrow down paths to explore based on the information you provide. Her guidance is not an approval or commitment.
Resources & Insights
READY TO GROW?