Borrow with confidence and grow on your terms
Term loans, lines of credit, and working capital for Main Street businesses. Clear terms, no hidden fees, and a real decision in as little as 24 hours — from $5K to $5M.
- No impact to your credit
- Decision in as little as 24 hours
- Transparent, fixed terms
Financing designed for Main Street
Whether you are opening a second location, purchasing equipment, or smoothing seasonal cash flow, a Simmer Capital business loan gives you predictable terms and a clear path to funding. Choose fixed or variable rates and work with a dedicated specialist from application to deposit — with no prepayment penalties and a decision in as little as 24 hours.
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Features & benefits
Built to give small business owners clarity, flexibility, and speed.
- Loan amounts from $5,000 to $5 million
- Fixed and variable rate terms available
- No prepayment penalties — pay off early, anytime
- Fast credit decisions, often within 24 hours
- Dedicated small business loan specialist
- Flexible repayment terms up to 10 years
- Funds deposited in as few as 3 business days
- Transparent pricing with no hidden fees
Our loan products
One application unlocks the products that fit your business.
Business term loan
A lump sum with predictable, fixed payments — ideal for expansion, hiring, or a big purchase.
Apply nowBusiness line of credit
Flexible, revolving capital you draw on whenever you need it — pay interest only on what you use.
Apply nowSBA loans
Government-backed financing with competitive rates and longer repayment terms.
Apply nowWorking capital
Smooth out cash flow, cover payroll, and stock inventory without the stress of a slow month.
Apply nowEquipment financing
Fund machinery, vehicles, and technology while preserving your working capital.
Apply nowCommercial mortgage
Purchase, refinance, or build the property your business operates in.
Apply nowHow it works
Three simple ways to get started — choose what works for you.
Apply online
Complete a secure application in about two minutes with no impact to your credit.
Start your applicationMessage a specialist
Email a small business loan specialist and we'll reply within one business day.
Email usSchedule a consultation
Book a time that works for you to review your options one-on-one with a specialist.
Book a consultationBuilt for every kind of small business
From your first storefront to your next location, we tailor funding to how you actually operate.
Retail & storefronts
Stock inventory ahead of the busy season, renovate, or open a second location.
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Restaurants & hospitality
Cover payroll through slow months and upgrade kitchen or front-of-house equipment.
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Services & trades
Bridge unpaid invoices, finance equipment, and hire as the work comes in.
See your optionsTalk to a loan specialist
Real people who know small business lending — not a call-center script. We reply within one business day.