Loan Programs for Every Opportunity
Real estate, secured and unsecured business loans, small business and SME financing, tech start-up capital and agricultural lending, available across the United States, Canada, the UAE, the UK and selected international markets.
Explore Our Loan Programs
Choose a category below or jump straight to a program. Every program offers a dedicated loan officer, transparent terms and fast decisions, and many can be structured unsecured.
Real Estate Lending
Short-term and long-term financing for residential and commercial real estate investors, from fix & flip to stabilized rentals.
Fix & Flip Loans
Acquisition and renovation financing for residential investors.
- Up to 90% LTC
- Close in 5 days
- Up to $5M
Bridge Loans
Short-term financing to acquire, reposition or refinance property.
- Up to 75% LTV
- 6–24 months
- Up to $10M
New Construction Loans
Ground-up and development financing with draw schedules.
- Up to 85% LTC
- 12–24 months
- Up to $15M
Cash-Out Refinance
Unlock equity from investment property to fund your next deal.
- Up to 70% LTV
- 12–24 months
- Up to $10M
Commercial Real Estate
Multifamily, retail, office, industrial and mixed-use financing.
- Up to 70% LTV
- 12–36 months
- Up to $25M
DSCR Rental Loans
Long-term rental financing qualified on property cash flow.
- Up to 80% LTV
- 30-year term
- Up to $3M
Secured & Unsecured Financing
Borrow against your assets for the lowest cost of capital, or keep everything unencumbered with our unsecured business loans.
Unsecured Business Loans
Capital without pledging property or equipment. Approved on cash flow, revenue and track record, with decisions in 24–48 hours.
- $25K – $2M
- 6 – 60 month terms
- No collateral required
Secured Business Loans
Larger amounts and sharper pricing backed by real estate, equipment, receivables, inventory or other assets.
- $100K – $50M
- 6 months – 10 years
- Up to 80% loan-to-value
No Collateral. No Property Liens. Fast Decisions.
Not every opportunity comes with a building to pledge. Our unsecured business loans from $25K to $2M are approved on the strength of your revenue, cash flow and track record, so your property, equipment and personal assets stay free. Decisions arrive in 24–48 hours, with funding in days.
Why borrowers choose unsecured
- Keep real estate and equipment unencumbered
- Credit decisions in 24–48 hours
- Funding typically in 3–5 business days
- Fixed payments and transparent pricing
- Use funds for almost any business purpose
- Available in the U.S., Canada, UAE & UK
Business & Growth Financing
Capital for main-street businesses, established SMEs and high-growth technology companies.
Small Business Loans
Simple, fast financing from $10K to $1M for main-street businesses, with secured and unsecured options.
- $10K – $1M
- 6 – 60 month terms
- Unsecured options
General SME Loans
Financing from $250K to $10M for established SMEs: growth capital, acquisitions, working capital lines and refinancing.
- $250K – $10M
- 1 – 10 year terms
- Secured or unsecured
Tech Start-Up Loans
Non-dilutive capital from $50K to $5M: venture debt, revenue-based financing and bridge-to-equity loans.
- $50K – $5M
- 12 – 48 month terms
- Minimal or no dilution
Agricultural Lending
Seasonal financing for growers, ranchers and agribusinesses. Land purchases, equipment, operating capital, livestock and facilities, with annual, semi-annual or harvest-timed payments.
Agricultural Loans
Financing from $100K to $25M for land, equipment, operating capital, livestock and facilities, repaid around your harvest cycle.
- $100K – $25M
- 1 – 25 year terms
- Seasonal repayment
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Estimate Your Monthly Payment
Use our amortized loan repayment calculator to compare fully amortizing and interest-only structures for any program before you apply.
Not Sure Which Program Fits?
Tell us about your deal or business and a loan officer will recommend the right structure, secured or unsecured, within one business day.