TALK TO AN EXPERT!
+1 925-709-3433
TALK TO AN EXPERT!
+1 925-709-3433
At TEJ Financial, we offer a range of business financing options designed to support every stage of your growth journey. Whether you need working capital, equipment financing, or a long-term loan, our expert team will match you with the best solution—quickly and transparently. Our goal is to help you access funding with ease so you can focus on what matters most: building your business.
Our team works closely with you to craft solutions that align with your investment objectives, whether you’re purchasing your first rental property, refinancing multiple assets, or leveraging equity for new acquisitions. With our flexible terms and quick approvals, you’ll be empowered to act swiftly and confidently.
Traditional loans often rely heavily on personal income verification, which can limit your ability to scale your portfolio. At Tej Financial, we prioritize the income potential of your properties through DSCR (Debt Service Coverage Ratio) loans. This approach allows you to qualify based on your properties’ cash flow, not just your personal income.
This means you can acquire more properties simultaneously, leverage your existing assets more effectively, and grow faster — all without the hassle of extensive income documentation. It’s a smarter way to finance your real estate investments and build sustainable wealth.
Whether it’s a last-minute deal or a long-term strategy, our team is committed to guiding you through every step — making sure you get the funding you need when you need it most.
Term loan is a common form of long term business funding. You get a lump some of cash upfront to invest in your business and repay with interest over a predetermined time period. This is best for businesses looking to expand that have good credit and strong business revenue. This loan type offers fast funding typically within 2 days to a week.
Get a lump sum amount of cash to invest in the business.
Borrow higher amounts
Get funding in 2-7 days
May require some type of collateral
Businesses looking to grow
Business owners with better credit and consistent business who can’t wait for funding
Short term loans allow for very fast funding, so you get a lump sum of cash with a predetermined payment term. Payment is usually made daily, weekly or bi-weekly. The short term loan is best for businesses with high and consistent sales that are in need of quick unsecured cash to use however you need.
Fast Capital in as little as 24hrs
Unsecured
Easy approval process
Little documentation needed
Cost of borrowing can be more
Businesses that have high and consistent sales and bank deposits
Businesses that need financing right away
These loans are guaranteed by the Small Business Administration because of this they offer some of the lowest rates on the market, as well as long repayment terms and the ability to borrow up to $5 million. Repayment ranges from 7- 25 years based upon how you plan to use the money. SBA loans are best for strong credit borrowers who have been operating for 2 years and are willing to work on the long application process to expand their business or refinance debt.
Lowest rates on the market
Borrow as much as $5 million
Longer repayment terms 7-25 years
Long application process
More qualifications required
Expanding businesses or refinancing debt
Business with good credit willing to wait for funding
A line of credit gives you access to funds up to your credit limit, which can be borrowed and paid back multiple times while only paying interest on the money you borrow. This is a flexible and typically unsecured way to borrow money for seasonal businesses, or businesses that need help managing cash flow or handling unexpected expenses.
Flexible borrowing
Typically no collateral required
May have maintenance fee or withdrawal fee
Good credit and consistent revenue required
Short term needs
Seasonal businesses to help manage cash flow
Equipment loans help you purchase equipment with competitive rates, if you have good credit and good finances. The equipment serves as collateral and the term is usually calculated off of the expected life span of the purchased equipment.
After payments are complete you own the equipment
If you have good credit and strong finances you can get competitive rates.
Businesses in need of equipment with competitive financing rates.
Fast funding
Specialized funding option for real estate
No Document or minimum documents required
Businesses looking to buy a new location
Investors looking to buy single family, multi family properties or fix and flip properties
Fast Cash
Fairly simple and easy approval
Businesses with invoice that need cash right away
Invoice with 30,60 or 90 day payment terms are best
Getting funded is simple. Our streamlined 3-step process is designed to save you time and get you the capital you need — fast, hassle-free, and with minimal paperwork.
Fill out our Quick Apply application — it only takes 2 minutes.
We review your goals and present you with programs matching your needs, getting an offer in 24 hours.
Choose the program that fits you best and receive funding within 48 hours.