Fuel Growth with Flexible Small Business Loans

Fuel Your Start-Up Dreams

Unlock the capital you need to launch or expand your business with financing that’s as dynamic as your ambitions. Designed for start-ups and growing companies with more than 2 years in operation, our Small Business Loans offer a fast, flexible path to funding- regardless of your credit history. Whether you’re in construction, landscaping, or another trade, this solution helps you overcome early stage challenges and seize opportunities for growth. Unlike our Equipment Financing, which focuses on specific equipment purchases, or our Working Capital loans for short-term cash flow needs, these loans provide versatile funding to build the foundation of your business, from acquiring tools to expanding your services.

Who This Is For

Starting a business often means facing significant obstacles-limited access to traditional bank loans, unpredictable expenses, and the pressure to scale quickly to meet demand. We’ve designed our Small Business Loans to support:

  • Entrepreneurs launching their first ventures, eager to establish a foothold in their market.

  • Businesses with less than 2 years in operation, often overlooked by conventional lenders due to their short history.

  • Owners with limited or no business credit history, who deserve a fair chance to secure funding despite past financial hurdles.

  • Visionaries needing capital to fuel early stage growth- whether that’s securing tools for a new project, stocking up on materials to meet client demands, or hiring additional staff to expand service offerings.
    We’ve empowered businesses from Houston’s vibrant markets to rural operations across the U.S., helping them turn their early challenges into stepping stones for success.

Key Benefits

Orange rubber stamp icon with the word 'LOAN' inside a circle and a checkmark, symbolizing loan approval

Our Small Business Loans are crafted to provide the support new and existing businesses need to thrive:

  • Low Credit Thresholds: We partner with lenders who accept a wide range of credit profiles, including FICO scores as low as 550, offering more flexibility than traditional bank financing that often requires a pristine credit history.

  • Fixed Terms for Stability: Benefit from consistent monthly payments over terms of 12 to 60 months, making it easier to budget for long-term growth-like planning for a busy season or a new service launch without worrying about fluctuating costs.

  • Fast Approvals and Funding: Receive decisions in as little as 1–3 business days, with funding available in 24–48 hours, so you can act quickly when opportunities arise, such as securing materials for an urgent project.

  • Tailored for Start-Ups: Built with the unique needs of new businesses in mind, addressing challenges like limited operational history or the need for quick capital to establish a market presence.

  • No Collateral Hassles: Many of our loans don’t require equipment as collateral, reducing risk for start ups with limited assets, so you can focus on growing without tying up your resources.

  • Versatile Use: Unlike equipment specific financing, these loans can be used for a mix of needs tools, materials, or even marketing to attract new clients- giving you the freedom to address multiple priorities at once.

What You Can Finance

Our Small Business Loans offer the flexibility to cover a wide range of growth needs, distinct from the equipment specific focus of our Equipment Financing or the short-term relief of our Working Capital loans:

  • Essential Tools (New or Used): Acquire the gear you need to get started, like a trencher, a crane, or a large commercial mower, to take on your first projects.

  • Project Materials and Supplies: Stock up on essentials- such as piping, gravel, or sod to meet client demands without delay.

  • Start-Up Costs: Cover expenses like licensing, permits, or initial marketing campaigns to establish your business presence.

  • Debt Consolidation for Growth: Consolidate high interest debts or vendor invoices to streamline your finances, freeing up resources to pursue new opportunities.

  • Expansion into New Areas: Fund the launch of new service lines or entry into untapped regions, helping you grow your client base and revenue streams.

What to Expect

We’ve simplified the financing process to get you the funds you need without the stress:

1. Submit Application or Inquiry - Use our Quick Apply Form or contact us directly- takes less than 5 minutes to share your basic business details.

2. Submit Documents - Provide minimal paperwork- ID, EIN, and 3 months of bank statements. We don’t often require lengthy business plans or complex financial projections.

3. Receive Approval & Finalize Terms - Most approvals come within 1–2 business days. Review your terms (e.g., 6–15% interest rates, 12–60 month terms) and sign electronically to move forward.

4. Funding - Funds can be available in as little as 24–48 hours, ready to support your next step, whether that’s launching a project or expanding your operations.

5. Lone Range Terms - Access loans from $5,000 to $100,000, with terms spanning 12 to 60 months, tailored to your business needs and qualifications.

“REC Helped Me Launch My Business When Others Wouldn’t”

“When I started my company with no credit history and just a few months in operation, traditional lenders wouldn’t take a chance on me. REC stepped in, securing the funding I needed to buy essential tools and materials. That support let me take on my first major project and set my business on the path to growth. I can say it was a great experience and I’ve referred multiple businesses to them since.”

River Drilling Services, Dallas, TX

Frequently Asked Questions

  • What if I don’t have great credit?
    We work with lenders who accept FICO scores as low as 550, understanding the realities of start-up credit challenges. Even with a lower score, funding may still be possible.

  • How fast can I get approved?
    Most clients receive decisions within 1–2 business days after all documents are submitted, with funding as quick as 24–48 hours- perfect for seizing time-sensitive opportunities.

  • Do I need a registered business?
    Yes, you’ll need an EIN or LLC registration. Sole proprietors with a valid EIN are also eligible, making this accessible for new entrepreneurs.

  • Can I use this for multiple needs?
    Absolutely. Many clients use these loans for a combination of expenses- like tools for a new project, materials to fulfill a client order, or marketing to attract new business.

  • What are the repayment terms like?
    Terms range from 12 to 60 months with fixed rates (typically 6–15%), ensuring predictable payments that align with your growth plans.

  • How does this differ from Working Capital loans?
    Unlike our Working Capital loans, which address short-term cash flow gaps, Small Business Loans provide versatile, long-term funding for foundational growth needs.

For more, see our full FAQ’s page.