Looking for small business loans in Savannah? Aldergate Loans is a licensed commercial broker connecting Savannah businesses with SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, and more.
Small business
Small business loans in Savannah come in multiple forms tailored to different needs. SBA 7(a) loans fund expansions, acquisitions, and refinancing. Working capital loans cover payroll and inventory gaps common during tourist season swings along River Street and City Market. Equipment financing helps restaurants on Broughton Street upgrade kitchens, while commercial real estate loans support property purchases from the Historic District to Pooler's retail corridors. Business lines of credit provide flexible access to cash, and invoice factoring turns unpaid invoices into immediate working capital. As a broker, Aldergate Loans matches your situation to the right lender and program, handling the documentation process from our office at 512-514 Martin Luther King Jr Blvd, Savannah, GA 31401.
Small business
Qualification depends on the program, but most lenders review time in business, revenue, credit profile, and collateral. SBA 7(a) loans typically require two years of operation and solid financials. Working capital and lines of credit may accept newer businesses with consistent cash flow. Equipment financing often uses the equipment itself as collateral, easing approval for startups. Invoice factoring focuses on your customers' creditworthiness rather than yours. Savannah businesses in hospitality, logistics tied to the Port of Savannah, retail, professional services, and manufacturing all use these programs. We guide you through documentation requirements so nothing slows your application.
Savannah's economy creates distinct funding needs. Restaurants and hotels near Forsyth Park or on Wilmington Island use equipment financing for HVAC upgrades and kitchen remodels. Warehousing and logistics companies serving Garden City's industrial corridor tap working capital during seasonal shipping peaks. Retail shops on Broughton Street secure lines of credit to stock inventory before peak tourist months. Professional service firms in Pooler and Port Wentworth use SBA 7(a) loans to acquire competitors or open second locations. Commercial real estate loans help investors purchase mixed-use buildings in the Starland District or Georgetown. Invoice factoring bridges gaps for contractors waiting on payment from large municipal or port-related projects.
How it works
Start by calling (912) 445-8262 or visiting us at 512-514 Martin Luther King Jr Blvd in Savannah. We discuss your goals, review your current financials, and identify which small business loan programs fit best. You'll gather basic documentation: tax returns, bank statements, profit-and-loss statements, and any collateral details. We organize everything, submit to appropriate lenders in our network, and manage follow-up questions. Because we're a broker, not a lender, we advocate for you throughout underwriting. Approval timelines vary by program, from days for invoice factoring to weeks for SBA 7(a) loans. Once approved, funds go directly to your business account or the vendor for equipment financing.
Consider a catering company operating out of Thunderbolt that landed a contract to serve events at the new convention hotel on Hutchinson Island. The owner needed a larger commercial kitchen and delivery van but didn't want to drain cash reserves. Aldergate Loans arranged equipment financing for the kitchen appliances and a separate term loan for the vehicle. Documentation included the equipment quotes, the hotel contract, and two years of tax returns. The streamlined process kept the owner focused on menu planning and hiring staff, and the new kitchen was operational within weeks.
Working with a broker means access to multiple lenders and programs without filling out separate applications for each. We know which lenders favor hospitality businesses near Tybee Island, which prioritize logistics companies in Garden City, and which offer the fastest working capital approvals. Our documentation-made-simple approach reduces paperwork confusion and speeds decisions. You get one point of contact from application through funding, and our Savannah location at 512-514 Martin Luther King Jr Blvd means we understand local market conditions, from port activity cycles to tourism seasonality. Visit our service areas page to confirm we cover your neighborhood, from Skidaway Island to Pooler.
Serving the Savannah area
We know which lenders fund which kinds of Savannah businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
