How we work | SpecialLoan

What we place

C-PACE, USDA Business & Industry, SBA 504 and 7(a) for eligible purposes, alongside conventional commercial debt where that is the better answer. All of it is for commercial and business purposes. We do not place consumer loans of any kind.

What we will not place

Merchant cash advances, any facility carrying a confession of judgment clause, and stacked advances on top of existing ones. This is not a technicality — these products damage the businesses that take them, and in June 2025 the SBA reached the same conclusion when it made merchant cash advances ineligible for 7(a) refinancing on the grounds that they do not support sustainable growth.

The practical consequence is that some enquiries end with us saying no and pointing you somewhere else, including at nothing. We would rather do that than earn a fee placing something that makes your position worse.

How we get paid

We are compensated by the lender or capital provider when a financing closes. There is no cost to ask whether your project qualifies, and no credit pull is required to answer that question — program eligibility turns on the property, the location and the use of funds far more than on your credit file.

Why every figure here has a date on it

Program terms move. USDA guarantee percentages are set by federal fiscal year. C-PACE rules differ by county and several state program pages have not been updated since 2020. Rather than publish figures as though they were permanent, every number on this site shows when it was last verified and links to the primary source. If you find something stale, we would like to know.

See which program fits your project

Tell us about the property and we will tell you which programs it qualifies for — including when the answer is none of them.

Commercial and business purposes only — we do not place consumer loans.

If the project does not qualify, we say so and tell you what would change that.

No credit pull to get an answer on program eligibility.