BUSINESS FINANCINGPDF / 01
Business Financing Guide
Weigh benefits and pitfalls, prepare your information, and compare written terms for a new or existing business.
Business funding.Investment-property financing.
For business owners seeking business financing and investors financing non-owner-occupied rental or commercial property.
Swift Biz Funds is an independent referral partner and may receive compensation.
01Free downloadable guides
Benefits & Pitfalls of Financing
Explore business and investment-property financing with practical guidance for comparing options, preparing for lender review, and understanding the costs and risks. Choose one or both free PDF guides below.
INVESTMENT PROPERTYPDF / 02
Investment-Property Financing Guide
Consider rental income, project reserves, commercial-property questions, and exit planning.
FREE GUIDE DELIVERY
Choose one or both guides.
Select one or both guides and enter your email. We save your request, email a download link for each selected PDF, and attempt a separate browser download for each. The one-time email is separate from optional future updates and does not start a loan application.
Check Your Funding Options
Continues to the application page in a new tab.
02Loan types
See the financing categories at a glance.
Browse broad categories for business funding and non-owner-occupied investment-property projects.
For operating companies and startups
Business financing
Common funding categories for business needs and plans.
Working capital / revenue-based financing
For operating expenses, cash-flow needs, or planned purchases.
Funding highlights: 3+ months in business • Lower credit scores considered
Term loans
A lump sum repaid on an agreed schedule.
Funding highlights: 625+ FICO • 1+ years in business
Lines of credit
Draw funds as needed for cash-flow gaps or short-term expenses.
Funding highlights: 600+ FICO • $10,000+ in monthly deposits
Equipment financing
Finance eligible equipment or vehicles while preserving working capital.
Funding highlights: 620+ FICO • Startups considered with 700+ FICO
Startup funding
Credit-based funding for new or pre-revenue businesses. No time in business or revenue required.
Funding highlights: 0% for up to 24 months • 680+ FICO
For non-owner-occupied investment property
Property financing
Categories for rental projects and income-producing real estate.
Rental / DSCR financing
Financing for eligible rental properties, evaluated using the property's cash flow.
Funding highlights: Property income-based • 620+ FICO
Bridge / rehab financing
For eligible acquisitions, renovations, or property transitions.
Funding highlights: Asset-based options • No minimum FICO on select programs
Construction financing
For qualifying construction or major improvement projects.
Funding highlights: Residential and commercial projects • Experience typically required
Commercial real-estate financing
For income-producing commercial property.
Funding highlights: 650+ FICO • Property income and operating history considered
Check Your Funding Options
Continues to the application page in a new tab.
Availability, eligibility, and terms vary by program. Reveal Lending and its financing partners confirm which options may fit each request, including any fees and terms after a promotional rate ends. Owner-occupied loans are not available through this referral.
03What to expect
Start a request. Review any offer on its terms.
The application and review steps depend on the product and lender.
Start a request with Reveal Lending
Use the application flow to share whether your request concerns a business or a non-owner-occupied property.
Provide requested details
Reveal Lending or a financing partner may ask for more information or supporting documents.
Review any offered terms
Compare the written structure, total cost, payment schedule, fees, and conditions before deciding.
Check Your Funding Options
Continues to the application page in a new tab.
A request does not guarantee approval or funding.
04Before you decide
The important details, in plain language.
Confirm current product availability, eligibility, and terms directly with Reveal Lending.
Who makes financing decisions and sets the terms?
Reveal Lending and its financing partners review applications, make financing decisions, and confirm any available terms. A request does not guarantee approval or funding.
Are owner-occupied properties included?
No. Owner-occupied loans are not available through this referral. The property categories here are for non-owner-occupied investment property.
What happens when I click Check Your Funding Options?
The link continues to Reveal Lending in a new tab. Reveal Lending or a financing partner may request additional information or documents as part of its review.
Does requesting a guide start a loan application?
No. We save your guide request, email download links for the selected guide or guides, and attempt a browser download of each selected PDF. The one-time guide email is separate from optional future educational emails, and the form does not submit a loan application.
Can I deduct interest on a business loan?
Business-loan interest may be deductible when it relates to business use, depending on how the funds are used and how the activity is taxed. Principal repayments generally are not deductible. If a loan serves both business and personal purposes, the interest generally needs to be allocated between them. Real-estate and construction projects can have additional timing or capitalization rules. Some businesses may be excepted from the Section 163(j) interest limit. For tax years beginning in 2026, the small-business test uses average annual gross receipts of $32 million or less over the prior three years. Additional eligibility rules and exceptions apply, and the threshold can change each year. The threshold alone does not determine whether a specific interest expense is deductible. This is general information, not tax advice. Consult a qualified tax professional about your situation.
Can I deduct loan origination or financing fees?
Fee treatment depends on the charge and the loan structure. Some fees may be deductible; others may be treated as interest or original issue discount (OID), or capitalized and deducted over time rather than all at once. Real-estate and construction financing can have additional capitalization rules. The right treatment depends on the loan documents and your facts. This is general information, not tax advice. Consult a qualified tax professional about your situation.
Check Your Funding Options
Continues to the application page in a new tab.
