Starting Gate Financial

Run a farm, a grocery store, a food distributor or a refrigerated truck fleet? The SBA now backs your loan at 90%.

The SBA Grocery Guarantee covers loans up to $5 million with a 90% federal guarantee, compared with 75% on a standard SBA 7(a). No international sales required. Funds can go to equipment, cold storage, facility expansion or working capital.

Tag a food business owner who should see this. Check if your business qualifies:
https://startinggatefinancial.com/blog/sba-grocery-guarantee-loan-food-supply-chain?utm_source=facebook&utm_medium=social&utm_campaign=oct-2026-thursday-spotlight&utm_content=fb-grocery-guarantee

Real estate investors: a half-point rate move can take a rental from 1.04x DSCR to 0.98x. Same rent, same property.

Here's the math, and 5 ways investors are keeping deals at the best pricing tier:
https://startinggatefinancial.com/blog/prime-rate-7-percent-sba-commercial-dscr-loans?utm_source=facebook&utm_medium=social&utm_campaign=prime-7-blog&utm_content=fb-dscr

$1,200 a day doesn't feel like much. It's about $26,000 a month.

If a merchant cash advance got your business through a tight stretch, that daily holdback is now running your cash flow. Refinancing it into a term loan swaps daily debits for one fixed monthly payment, so more of every sale stays in your business. Up to $350,000, terms up to 10 years, and the application takes about 10 minutes (subject to qualification).

We structure these refinances for small businesses across North Texas. Tag an owner who's carrying an advance right now.

Free financing review: https://startinggatefinancial.com/financing-options/business-loc-term-loans?utm_source=facebook&utm_medium=social&utm_campaign=mca-refinance&utm_content=fb-mca-refi-1

Prime hit 7%. But not every loan follows prime.

SBA 7(a) loans and credit lines do. SBA 504, commercial real estate and DSCR rental loans mostly track the bond market instead.

Our new guide covers what the rate hike means for each one, and the 5 structure levers you still control:
https://startinggatefinancial.com/blog/prime-rate-7-percent-sba-commercial-dscr-loans?utm_source=facebook&utm_medium=social&utm_campaign=prime-7-blog&utm_content=fb-launch

The Fed raised rates on Sept 16. Prime is now 7.00%.

You don't control that number. You do control the structure: SBA 7(a) or 504, fixed or variable, 10 years or 25, one blended ask or 2 clean pieces.

Sitting on a deal because of rates? Send us a message and we'll run it at today's numbers.

Year-end planning season starts now, not in December.

If equipment, expansion, or refinancing is on your radar for Q4, the businesses that start the conversation in September are the ones who actually close before year-end.

Let's talk through your plan — no pressure, just a clear picture of your options.

It's not always you. Sometimes it's the structure.

A pattern we see often: one blended ask — equipment plus working capital plus a little real estate — gets declined as a single request. Split cleanly into the right products, the same deal gets approved.

Structure is often the difference between a 'no' and a 'yes' on paper that looks identical.

Nearly $936 billion in commercial real estate loans come due in 2026 — the biggest wave of maturities the market has seen in years.

If you've got a balloon payment coming and haven't started the refinance conversation yet, now is the time — not the month it's due.

We help owners get ahead of the maturity wall instead of scrambling against it.

Prime has held at 6.75% for months now — waiting hasn't gotten anyone a better number.

Twenty minutes with us tells you exactly where you stand: what you qualify for, what to fix, and whether now or later makes more sense for your specific deal.

No cost, no obligation — a straight answer from a Richardson-based team who does this daily.

Not every problem needs the same tool.

A term loan makes sense for a one-time purchase with a clear payback period — equipment, a building, an acquisition. Working capital financing is built for the ongoing stuff: payroll, inventory, seasonal swings.

Using the wrong one for the job is one of the most common (and expensive) mistakes we see. Happy to help you figure out which one actually fits.