Lending programs

Explore our loan products

Six programs, one team. Browse the details and requirements for each, then apply with no upfront cost — or let us recommend the best fit for your profile.

Business

SBA Loans

Government-backed financing with low rates and long terms

SBA loans are partially guaranteed by the U.S. Small Business Administration, allowing lenders to offer some of the lowest rates and longest repayment terms available to small businesses. Ideal for acquisitions, expansion, real estate, and refinancing existing debt. Blue Ridge packages your application to maximize approval odds and match you with SBA-preferred lenders.

Amount

$50,000 – $5,000,000

Term

10 - 25 years

Rates

6.5% - 11.5%

Best for: Established small businesses seeking growth capital or real estate

Typical requirements

2+ years in business (some startup programs available)
Personal credit score of 650 or higher
Business & personal tax returns (last 2 years)
Profit & loss statement and balance sheet

Business

Equipment Financing

Fund the machinery, vehicles, and tech your business runs on

Equipment financing lets you acquire essential assets—from dental chairs and imaging systems to manufacturing machinery and fleet vehicles—while preserving working capital. The equipment itself serves as collateral, which often means faster approvals and competitive rates. Terms are matched to the useful life of the asset.

Amount

$10,000 – $2,000,000

Term

2 - 7 years

Rates

7% - 15%

Best for: Practices and businesses purchasing equipment or vehicles

Typical requirements

6+ months in business
Personal credit score of 600 or higher
Equipment quote or invoice
3 months of business bank statements

Real Estate

Commercial Real Estate

Acquire, build, or refinance income-producing property

Commercial real estate loans finance the purchase, construction, or refinance of office buildings, retail centers, medical offices, multi-family, and mixed-use properties. Blue Ridge connects real estate investors and owner-operators with balance-sheet lenders, life companies, and bridge lenders to secure the right structure for your project timeline.

Amount

$250,000 – $25,000,000

Term

5 - 30 years

Rates

6.75% - 12%

Best for: Real estate investors and owner-occupied businesses

Typical requirements

Property appraisal and rent roll
Personal credit score of 660 or higher
25-35% down payment for purchases
Debt service coverage ratio of 1.25x+

Business

Working Capital Line of Credit

Flexible, revolving cash for the day-to-day and the unexpected

A working capital line of credit gives your business on-demand access to funds you can draw, repay, and redraw as needed—perfect for smoothing seasonal cash flow, covering payroll, buying inventory, or seizing a time-sensitive opportunity. You only pay interest on what you use. Blue Ridge matches you with lenders offering the highest limits at the lowest cost.

Amount

$25,000 – $1,000,000

Term

Revolving (6 - 24 mo terms)

Rates

8% - 18%

Best for: Businesses managing cash flow or seasonal swings

Typical requirements

1+ year in business
Minimum $150k annual revenue
Personal credit score of 620 or higher
6 months of business bank statements

Personal

Personal Loans

Simple, fixed-rate financing for life's bigger moments

Personal loans offer a lump sum of funds with predictable, fixed monthly payments and no collateral required. Use them to consolidate high-interest debt, cover major expenses, or bridge a financial gap. Blue Ridge shops multiple lenders to find you the best rate for your credit profile—with a soft pre-qualification that won't impact your score.

Amount

$5,000 – $100,000

Term

1 - 7 years

Rates

7.5% - 24%

Best for: Individuals consolidating debt or funding a large expense

Typical requirements

Proof of income (pay stubs or tax returns)
Personal credit score of 600 or higher
Valid government-issued ID
Debt-to-income ratio under 45%

Specialty

Specialty Lending

Tailored capital for healthcare networks and complex deals

Some financing needs don't fit a standard box. Specialty lending covers healthcare practice acquisitions, large health-system financing, dental partnership buy-ins, franchise financing, and structured deals that require creative underwriting. Blue Ridge leverages a network of niche lenders and private capital to structure solutions for sophisticated borrowers.

Amount

$100,000 – $50,000,000

Term

Custom structured

Rates

Quoted per deal

Best for: Healthcare networks, health systems, and complex transactions

Typical requirements

Detailed deal summary or memorandum
Financial statements (2-3 years)
Entity and ownership documentation
Pro forma / projections

Still weighing your options?

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