Build your business with Masoba Capital

And get the right financing at the right time!

Build my business or refinance an existing debt

One application is all you need to pre-qualify for both loan options. Choose the loan you prefer, or let us recommend the best fit for your business.
SBA Loan

The gold standard in business lending.  Variable interest rates, longest terms, and lowest monthly payments. Loans up to $350,000.
Bank Term Loan
Fixed interest rates and shorter repayment terms.  Faster funding and less documentation.  Loans up to $500,000.
Pre-Qualify Now!

Interest-Only Flex Pay Loan

COVID-Proof Financing

We are excited to announce our newest, most innovative loan product that we’ve ever offered, the Interest-Only Flex Pay Loan! It’s the perfect solution to overcome the uncertainty caused by the pandemic. Many business owners have adopted a wait-and-see approach when it comes to rehiring and investing in the things to get back on track and this exciting new product can help merchants like you put your fears on the back burner and move forward.

Our new Interest-Only Flex Pay Loan allows you to borrow now with rates starting at 8% and low, interest-only payments for up to 5 months! After the interest-only period, you have the option to pay off the principal, or we’ve created the perfect safety net – a built in 60-week rollover amortization. With flexibility like this you can truly borrow with confidence!

If there is one thing COVID-19 has taught us, it’s to be prepared for the unexpected. We can’t foresee what things might look like in the next 5 months, so if after your interest-only term ends and business conditions aren’t optimal, you’ve got options! You can use our 90-Day, COVID-19 Guarantee to add up to 90 additional days of interest-only* payments to your loan. Now that makes our financing truly COVID-Proof!

Loan Program Advantages
  • Loan amounts are available from $50,000 to $450,000 with no collateral required
  • Rates as low as 8% with up to 5 months of interest-only payments
  • Optional Line of Credit with 24-hour access to 5 drafts for 6-months
  • Built in safety net with 60-week rollover amortization
  • Fast online approvals and fundings in as little as 3 days
Pre-Qualify Now!

Flex Pay Loans

Borrow Now, Grow Now, Pay Later – That’s the Power of Flex Pay!
Are you looking to renovate or remodel? Planning to purchase new equipment or add an outdoor patio? Maybe you’re considering opening another location or purchasing an existing franchise? Our Flex Pay Loan is the perfect solution to fund your business growth, and the best part is, it maximizes your cash flow while providing you the capital you need now!
The Benefits of Flex Pay
A Flex Pay Loan from our lending partner gives you the ability to defer up to 50% of the loan principal into the future for the lowest possible payments now. This unique flexibility keeps you in control and provides the lowest cost of money while maximizing your cash flow. You can seize high ROI growth opportunities now and defer the principal until you are ready to pay. Our repayment options are so flexible that you can pay back the deferred principal in a lump sum, refinance it, or extend your terms to keep your payments at the same low amount! Our focus with Flex Pay is simple: provide the financing you need to grow, with the loan terms that make sense, and keep your business moving forward and cash rich! That’s flexible financing made easy!
Loan Program Advantages
  • 24-hour access to a renewable Line of Credit to use over a 6-month period
  • Defer up to 50% of your loan’s principal for dramatically lower payments now
  • Loan amounts are available from $5,000 to $450,000 with no collateral required
  • Fast online approvals and fundings in as little as 3 days
Pre-Qualify Now!

Business Line of Credit

You’ve Got Options

Lines of credit are perfect for when business conditions change. Unexpected issues arise. Windows of opportunity open.  Are you prepared to deal with these occurrences? Thousands of business owners have learned that with a business line of credit from our lending partner, they are.  Or premier lending partner is the #1 lender for restaurant loans and restaurant financing for over 19 years. As the restaurant financing experts, they understand the unique needs of restaurant owners and the daily challenges they face.
What is a Line of Credit?
A line of credit is an approved loan extended to restaurant and small business owners allowing them to draw upon when the need arises. This type of restaurant financing allows merchants to pull funds from their line as needed and only pay interest on the money they take. Restaurant owners have 24-hour access to 5 separate loan drafts over a 6 month period. You can even request funds online!
Benefits Of A Line of Credit
  • Use the funds as needed and make low, fixed weekly payments. Our line of credit is a business loan not a cash advance, so repayment is not tied to your daily credit card receipts.
  • Combine our Business Line of Credit with our Flex Pay Loan and you can defer up to 50% of the principal into the future for more affordable payments now, and pay it back when the time is right.
  • You can lock in your rate for the next 6 months with a minimum first draw of only $10,000.
  • Quick online approvals and funding in as little as 3 days.
  • Loan amounts are available from $5,000 to $450,000 with no collateral required.
  • The interest you pay is tax deductible, further lowering your cost of funds.
  • Early payoff options are available
What Are Lines of Credit Loans Used For?

We along with our lending partners understand the changing business landscape especially in the restaurant business. As such, our small business owners use the line of credit for a variety of business reasons. Even without an immediate need, restaurant owners are establishing lines of credit now. Being prepared is smart. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected. There are many reasons a restaurant owner might need a working capital loan. Below are just a few of the typical ways restaurant owners use the funds.:
  • Equipment financing
  • Inventory financing
  • Expansion projects
  • Renovations & Remodels
  • Opening another location
  • Pay for franchise obligations
  • Liquor licenses
  • Buy out a business partner
  • Adding catering services
  • Revamping restaurant and bar menus
  • Upgrading POS system
  • Paying business taxes
  • Cash flow stabilization or seasonality
  • Paying off/consolidating more expensive debt
Pre-Qualify Now!

Working Capital Loans

Working capital loans can help if you are being forced to scale back operations or cut necessary business activities because of an unexpected dip in cash flow. Are you weathering periods of lower sales trying to ramp up for a busy season ahead? Working capital loans can help! When you feel cash is tight or that your business lacks the funds to keep everyday operations running smoothly, know that our lending partner is here to help. Our goal is to provide you the restaurant financing you need to overcome these short term challenges while gaining momentum for long term success!
What is a Working Capital Loan?

A working capital loan is a financing product or loan designed to help restaurant owners finance their everyday business operations. Working capital loans from our lending partners can provide the funding your business needs without the hassle of a traditional bank loan or the hidden fees and payment surprises of a merchant cash advance.  Our approval process is streamlined with minimal documentation and funding can occur in days with no collateral needed! Our loan terms are fixed so your payments won’t fluctuate and the interest you pay is tax deductible, further lowering your cost of funds. If you’re looking to infuse your company with cash quickly and without the need for collateral, the unsecured working capital loans are just the thing you need!
Benefits of a Working Capital Loan
  • Our restaurant financing is a loan not a cash advance, so repayment is not tied to your credit card receipts.
  • We offer longer terms from 12 to 36 months.
  • Get access to higher loan amounts with low, fixed payments.
  • Apply online with quick approvals and fundings in 3 days.
  • All our loans come with 24-hour access to a renewable line of credit.
  • The interest you pay is tax deductible, further lowering your cost of funds.
  • There are no hard credit pull so your credit score won’t be affected.
Pre-Qualify Now!

Purchase or refinance commercial real estate

Refinance an existing commercial real estate mortgage, or buy an office building or other owner-occupied commercial space.
SBA 7(a) Bank Loan
Down payments as low as 10%, fully-amortizing 25-year terms, and variable interest rates ranging from 4.75% to 6.00%.  Loans up to $5,000,000.
Pre-Qualify Now!