Small business
You need capital matched to how your business actually operates. Harvestgate Business Capital connects Richardson companies to small business loans in Richardson designed for your sector, whether you're scaling a tech startup near CityLine or expanding a healthcare practice along the US-75 corridor. As a licensed commercial-loan broker, we guide you to the right program without the guesswork.
Small business
Richardson businesses can access SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, and additional programs. Each product serves different needs: SBA 7(a) offers long-term, lower-cost capital for expansion or acquisition; working capital covers payroll gaps or inventory surges; equipment financing spreads machinery costs over its useful life; and lines of credit provide flexible access for seasonal swings. The right match depends on your industry cycle, collateral, and growth stage.
Small business
Lenders typically require two years in business, acceptable personal credit, and positive cash flow, though thresholds vary by program. Richardson's concentration of telecom firms along the Telecom Corridor and established medical offices near Methodist Richardson Medical Center often meet these benchmarks. Startups may qualify for equipment financing or invoice factoring with fewer operating years. We review your financials, match you to suitable lenders, and prepare your application to highlight industry-specific strengths.
How it works
Step one: call (972) 674-8105 or visit our office at 200 Chisholm Pl, Plano, TX 75075, Richardson, TX to discuss your funding need and industry. Step two: we'll request recent financials, tax returns, and a brief use-of-funds statement. Step three: we submit your package to lenders who specialize in your sector. Step four: we negotiate terms and walk you through closing. Most Richardson clients move from first call to term sheet within two weeks.
A precision-parts manufacturer on Renner Road needed capital to add CNC machinery and hire machinists as contracts from nearby telecom companies increased. We arranged equipment financing that matched the machines' lifespan and preserved working capital for payroll. The owner avoided tying up cash reserves and kept production on schedule. Learn more on our Richardson business-loan hub or explore SBA 7(a) options for larger projects.
Serving the Richardson area
We know which lenders fund which kinds of Richardson 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.
Why Richardson owners trust Harvestgate Business Capital
