Compare commercial real estate financing for retail from 50 lenders in one application. The lenders that fund retailers bid for your deal — real offers in about 24 hours, no effect on your credit.
Whether you're buying, building, or refinancing retail or storefront space, EQ Funding compares owner-occupied CRE, SBA 504, bridge, and hard-money options in one application. Asset-based lenders underwrite the property — several with no income verification — so retailers get the structure that fits the deal.
Instead of applying to one lender and hoping, you apply once and the lenders that actually fund retailers compete for your business. You compare real offers side by side and take the best terms — with no effect on your credit to look.
Reach the lenders most likely to fund a business like yours in a single form.
Comparing offers is a soft pull; a hard inquiry only happens if you accept.
Fund inventory, seasonal stock, and new locations with offers in about 24 hours.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their real offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Yes — retailers are a core fit. EQ Funding routes your file to the lenders in our network that specifically fund businesses like yours, so you see offers from the lenders most likely to approve you rather than a single bank's yes-or-no. The application takes about two minutes and there is no effect on your credit to see what you qualify for.
Most commonly inventory, seasonal stock, and new locations. There are typically no restrictions on use beyond the product itself — you take the capital and put it to work. If your need is more specific, the application lets you say so, and we route you to the lenders that fund that use.
First offers typically arrive within about 24 hours of applying, and funding can follow in as little as 48 hours once you accept. Asset-based and revenue-based products tend to move fastest; SBA-backed options take longer but carry the lowest rates and longest terms.
Comparing offers is a soft pull with no effect on your credit score — a hard inquiry only happens once you accept a specific lender. And it costs you nothing: EQ Funding is paid by the lender when your deal closes, never by you.
One application reaches owner-occupied CRE term loans, SBA 504 (the lowest-rate way to buy or build owner-occupied property), bridge and hard-money loans for fast or value-add deals, and mezzanine debt for multifamily — so you see the structure that fits your property and timeline.
It depends on the structure. Bridge and hard-money lenders in our network can issue a term sheet in 24–48 hours and fund in as little as 5–15 days on an asset-based deal. Bank and SBA 504 financing prices lower but takes 30–90 days. We route to both so you can trade speed against cost.
Not for every option. Asset-based and hard-money lenders underwrite the property value and your equity and exit — no minimum credit score, no income verification. Owner-occupied bank and SBA financing does look at cash flow (DSCR) and credit. We match your file to the lenders whose criteria you actually meet.
Typically 60–75% of value on bridge and hard-money deals, up to 85% LTV on owner-occupied CRE, and up to 90% on SBA 504. Mezzanine debt can layer on top of existing senior financing without touching it. We route to the lenders offering the highest advance for your property type.
Yes — cash-out refinance and equity takeout are common. Asset-based lenders can fund against trapped equity in owned commercial or multifamily property in 2–4 weeks, and mezzanine lenders can add capital on top of your existing senior loan. One application compares your options.
Owner-occupied commercial buildings, multifamily, mixed-use, industrial, and investment/value-add properties all have a lender in our network. A few types (raw land, special-use, certain investment-only deals) are restricted with specific lenders — we flag fit before you apply.
Six questions. Two minutes. No effect on your credit score. Real offers from 50 lenders within 24 hours.