Core Programs
Financing Programs We Structure
Each program represents a category of capital we actively structure and submit through our lender network.
Business Lines of Credit & Term Loans
Flexible working capital structured around your cash flow
Access revolving credit lines and fixed-term loans structured around your business cash flow. Whether you need…
View Program Details →Commercial Real Estate Financing
Acquisition, refinance, and construction for income-producing properties
We source and structure commercial real estate financing for investors, owner-occupants, and developers. From …
View Program Details →SBA Financing
Government-backed financing for owner-operated businesses
SBA 7(a) and 504 loans offer the lowest long-term cost of capital for qualified owner-operated businesses. We …
View Program Details →Equipment Financing
Finance the tools your business runs on
Equipment financing lets you preserve working capital while acquiring the machinery, vehicles, and technology …
View Program Details →Fix and Flip Loans
Short-term bridge capital for residential investment properties
Fix-and-flip financing provides fast, asset-based capital for investors acquiring and renovating residential p…
View Program Details →DSCR Rental Loans
DSCR-based financing for long-term rental portfolios
DSCR rental loans qualify based on the property's income — not the borrower's personal tax returns. Ideal for …
View Program Details →Franchise Financing
Structured capital for franchise startup and expansion
Franchise financing combines SBA programs with conventional lending to help franchisees open new units or expa…
View Program Details →Accounts Receivable Financing
Turn outstanding invoices into immediate working capital
Accounts receivable financing advances capital against your outstanding invoices — giving you liquidity today …
View Program Details →Startup Financing
Capital pathways for early-stage and pre-revenue businesses
Startup financing requires creative structuring — traditional lenders require 2+ years in business, so we focu…
View Program Details →Merchant Cash Advance
Last-resort short-term advance for businesses that cannot access conventional financing
Merchant cash advances carry high effective rates and short repayment terms. SGF reviews MCA as a last-resort …
View Program Details →How We Think About Capital
Structure Before Source
The right lender means nothing without the right structure. We start with use of funds, repayment horizon, and risk profile — then match to lenders.
01
Working Capital vs. Asset-Backed
Cash flow financing is repaid from operations. Asset-backed financing is secured by something tangible. The right structure depends on what the capital is actually being used for.
02
Short-Term vs. Long-Term
Match the repayment horizon to the purpose. Inventory gaps need short-term structures. Real estate and equipment need amortization that matches the asset's useful life.
03
Startup vs. Established
Lenders underwrite startups and established businesses differently. Time in business, revenue history, and collateral availability shape which programs apply.
Ready to Move Forward
Not Sure Which Program Fits?
We'll review your business profile and identify which programs are worth pursuing — before any lender sees your file.