Declined by your bank because your loan was below their minimum?
SmallBalanceLoans.com is a neutral referral resource. We connect creditworthy business owners and real-estate investors with legitimate lenders who consider smaller, well-documented transactions. We don't collect your information—applications are completed on lender websites.
Who this is for
- Commercial real estate transactions
- Business-purpose financing
- Well-documented borrowers (bank-qualified or near bank-qualified)
If you are seeking consumer, personal, or residential owner-occupied financing, this site may not be a fit.
Designed for bank-qualified borrowers only
Transparent, neutral referrals to trusted lending institutions—especially when your request falls below typical bank minimums
Fast Matching Process
Connect with specialized lenders in minutes, not weeks
Multiple Lender Options
Access a growing network of participating lenders
No Hidden Fees
Transparent referral model with no surprise charges
Expert Support
Guidance throughout the lender selection process
Data Privacy
We never collect sensitive financial information
Vetted Lenders Only
All partners meet strict compliance standards
Why Traditional Banks Often Decline Smaller Loans
Traditional banks play a vital role in business and real-estate lending, but most have internal policies and cost structures that make smaller loan requests less practical to fund.
Because every loan — large or small — requires similar underwriting, documentation, and compliance review, the cost of processing a $100,000 loan can be nearly the same as a $1 million loan.
For efficiency, many banks set minimum loan sizes or lending thresholds. As a result, many creditworthy borrowers are declined not because of credit or risk, but because their request falls below a bank's internal minimum.
Learn More About UsCommercial Real Estate
Connect with lenders specializing in commercial real estate transactions below traditional bank minimums
Bridge Loans
Fast funding for time-sensitive real estate opportunities that need quick closings
Working Capital
Business financing for operations, inventory, and growth initiatives
Business Expansion
Funding for equipment purchases, facility upgrades, and strategic growth projects
Simple, Transparent Process
Get connected with the right lender in four easy steps
Browse Lenders
Explore participating lenders and programs
Select a Match
Choose the lender that best aligns with your needs
Apply on Lender Site
Complete your application directly on the lender's secure platform
Finalize with Lender
Work directly with the lender through closing
Ready to explore lender options?
Browse programs for smaller, well-documented transactions. Applications are completed on lender platforms.
SmallBalanceLoans.com is a referral resource. We do not originate loans.