Mon-Fri 8-6·Service Areas(803) 220-1486
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Columbia, SC · Commercial loan broker

Business loans in Columbia, matched to the right lender

Need business loans in Columbia? Silverstone Lenders is a licensed commercial loan broker at 3790 Fernandina Rd, Columbia, SC 29210.

Business funding for Columbia, made clear: we learn your goal, take your file to the lenders most likely to approve it, and walk you through the terms. No upfront fees to you.

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Broker not lenderWe work for you
Many lendersOne application
Plain EnglishReal options
No costTo apply

Who We Help in the Columbia Area

We broker financing for established businesses and startups across Columbia and the Midlands. Our clients include manufacturers near the Port of Cayce, restaurants along Devine Street, medical practices in Seven Oaks, contractors in Lexington, retail shops in the Vista, and service companies from Irmo to Red Bank. If you operate in Columbia, West Columbia, St. Andrews, Oak Grove, Lincolnshire, Springdale, or Cayce, we work with lenders who understand South Carolina's business climate, from seasonal tourism dips around Lake Murray to the steady demand driven by Fort Jackson and the State House corridor.

We don't lend our own money. We're brokers. That means we shop your deal to multiple funding sources and present every cost in plain terms before you sign anything.

Loan programs

Commercial Loan Programs We Broker

We also broker merchant cash advances, revenue-based financing, and bridge loans when speed trumps cost. Every program carries trade-offs. Our job is to map those trade-offs in plain language so you choose with eyes open.

SBA 7(a) Loans

remain the gold standard for acquisition, expansion, or refinancing. Borrow up to $5 million with terms stretching twenty-five years for real estate, ten years for equipment.

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Working Capital Loans

solve cash-flow gaps when receivables lag or inventory orders spike. These are short-term facilities, six to eighteen months, designed to cover payroll, rent, or supplier invoices.

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Equipment Financing

locks the asset as collateral, so approval hinges on the equipment's resale value and your ability to service the debt. Food trucks, CNC machines, dental chairs, dump trucks, if it generates income, it can be financed.

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Commercial Real Estate Loans

fund the purchase or renovation of owner-occupied property. Warehouses off Bluff Road, office buildings near Harbison, retail storefronts in Five Points, any property where your business occupies at least fifty-one percent qualifies.

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Business Lines of Credit

offer revolving access to capital. Draw what you need, pay interest only on the outstanding balance, and repay to free up the line again.

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Invoice Factoring

converts unpaid B2B invoices into immediate cash. You sell the receivable at a discount, the factor collects from your customer, and you move on.

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Why Columbia Businesses Use a Local Broker

Cost transparency. Before you commit, we hand you a one-page breakdown: origination fee, broker fee (if any), interest rate structure, prepayment penalty, and total repayment amount. No fine print buried in paragraph twelve.

Lender access. We maintain relationships with regional banks, credit unions, SBA Preferred Lenders, and alternative funders. A single application reaches multiple desks. That competition often yields better terms than walking into one bank alone.

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Local context. We know the Columbia market. We understand that a restaurant in Rosewood won't have the same rent load as one in the Vista, that flood-zone properties near the Congaree require extra insurance riders, and that seasonal businesses tied to USC's academic calendar need flexible repayment schedules. Lenders outside South Carolina miss those details. We don't.

No captive products. Because we're brokers, not lenders, we don't push a house brand. If your deal doesn't pencil, we say so. If a competitor offers a better fit, we'll tell you. Our fee comes from successful closings, and successful closings require honest matchmaking. Learn more about our approach and how broker compensation works.

How it works

How the Process Works

Step one: conversation. Call (803) 220-1486 or stop by 3790 Fernandina Rd, Columbia, SC 29210. We ask what you need the money for, how much, and what your revenue and credit picture look like. This takes fifteen minutes.

Step two: document gathering. We request two years of business tax returns, year-to-date profit-and-loss, a current balance sheet, and bank statements covering the last three months. If you're buying real estate or equipment, we need the purchase agreement and any appraisals.

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Step three: lender presentation. We package your file and submit it to lenders whose appetite matches your profile. Within forty-eight to seventy-two hours, you'll see preliminary term sheets.

Step four: cost review. We sit down, in person or by phone, and walk through every line of every offer. You'll know the all-in cost, the monthly payment, and any covenants or restrictions before you choose.

Step five: closing. Once you accept terms, the lender orders title work (for real estate), files UCC liens (for equipment or inventory), and drafts loan documents. Closing takes one to three weeks for most programs, longer for SBA deals. Funds hit your account, and you're off.

Serving Columbia and the Midlands

Our office sits just off Fernandina Road, five minutes from the intersection of I-77 and I-26. That puts us within a twenty-minute drive of most Midlands businesses, Irmo to the northwest, Lexington to the west, Cayce and Springdale along the river, and Red Bank to the south. We meet clients at their location if that's easier. A food manufacturer in Oak Grove shouldn't lose half a day driving downtown for a fifteen-minute conversation.

Columbia's economy blends government employment, healthcare (Prisma, Lexington Medical Center), higher education (USC, Columbia College, Benedict), and a growing logistics sector thanks to the inland port and proximity to I-20. That diversity creates steady loan demand, and lenders who specialize in one vertical often miss opportunities in another. We bridge that gap. View our full service area for a complete list of cities and corridors we cover.

What You Should Know Before You Apply

Credit matters, but it's not everything. A 680 FICO and two years of profitable operation will open most doors. Below 650, options narrow and costs rise. If your credit took a hit during COVID shutdowns or a rough patch, we'll tell you whether waiting six months to rebuild makes sense or whether alternative programs exist now.

Collateral covers gaps. Lenders lend against assets or cash flow. Strong revenue forgives weak collateral; strong collateral forgives lumpy revenue. If you have neither, expect higher rates or a co-signer requirement.

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Speed costs money. A thirty-day working-capital loan approved in forty-eight hours will carry a higher effective rate than a seven-year SBA loan that takes sixty days to close. Urgency and affordability sit on opposite ends of a seesaw.

Broker fees are negotiable. Some lenders pay us directly (you pay nothing extra); others allow us to add a point or two to the deal. We disclose which model applies before you sign. If the fee feels out of line, say so.

"Pre-qualified" means almost nothing. Real approval requires underwriting, tax returns, bank statements, credit pulls, collateral appraisals. Soft offers and online calculators are marketing. We skip the theater and go straight to lenders who issue binding term sheets.

Market context

By the numbers

Our clients include manufacturers near the Port of Cayce, restaurants along Devine Street, medical practices in Seven Oaks, contractors in Lexington, retail shops in the Vista, and service companies from Irmo to Red Bank.

01

There are more than 33 million small businesses in the United States.

SBA Office of Advocacy
02

Most firms that apply for financing seek $100,000 or less.

Federal Reserve Small Business Credit Survey
03

About half of applicant firms sought funds mainly to cover operating expenses.

Federal Reserve Small Business Credit Survey

National data, reviewed 2026, figures from primary sources.

What owners say

Trusted by Columbia-area business owners

★★★★★
They explained exactly what the lender wanted before we applied, so there were no surprises.
MDMarcus D.
Seven Oaks · SBA 7(a) Loan
★★★★★
Straight answers and no runaround. We finally understood our options.
PSPriya S.
Seven Oaks · Equipment Financing
★★★★★
They packaged our file properly and took it to the right people the first time.
TRTom R.
Irmo · Revenue Based Financing

Individual client experiences; results vary by business and program.

Serving the Columbia area

Local guidance across Columbia, SC

Silverstone Lenders in Columbia, SC

We know which lenders fund which kinds of Columbia businesses, and we position your file where it fits.

One local broker, many lenders, and no cost to apply.

See loan programs →

Common questions

Common questions about business loans in Columbia

What types of businesses qualify for loans in Columbia?+
Most established businesses with twelve months of operating history and revenue above $100,000 annually qualify for at least one program. Startups can access SBA microloans or equipment financing if the owner brings strong credit and a solid business plan. We work with retail, food service, healthcare, construction, manufacturing, and professional services across Columbia, Seven Oaks, Irmo, St. Andrews, Oak Grove, Lexington, West Columbia, Lincolnshire, Springdale, Cayce, and Red Bank.
How long does it take to get funded?+
Working capital and lines of credit close in one to two weeks. Equipment financing takes two to three weeks. SBA 7(a) and commercial real estate loans require four to eight weeks because of appraisals, environmental reviews, and SBA processing. Invoice factoring can fund in seventy-two hours once contracts are verified.
Do I need collateral for a small business loan in Columbia?+
Collateral requirements depend on the program and loan amount. SBA loans require collateral if available but won't decline a strong deal solely for lack of assets. Unsecured working capital exists up to $250,000 for businesses with consistent revenue. Equipment loans use the equipment itself. Real estate loans use the property. We'll map what you have and match it to the right lender.
What credit score do I need?+
Most SBA and bank programs prefer 680 or higher. Alternative lenders start at 600, though rates climb steeply below 650. If your score sits in the 500s, we'll discuss credit repair or co-signer options before submitting applications that waste time and trigger hard inquiries.
How much does Silverstone Lenders charge?+
Compensation varies by lender and program. Many lenders pay us a commission at closing, so you pay nothing beyond their standard origination fee. When we add a broker fee, it's disclosed upfront, typically one to three points of the loan amount. No hidden charges, no back-end surprises. Call (803) 220-1486 to discuss your specific situation and get a clear breakdown before you commit., Silverstone Lenders 3790 Fernandina Rd, Columbia, SC 29210 Columbia, SC (803) 220-1486 Find business loans across Columbia and the Midlands or read about our full range of programs.

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