Rates & Fee Schedule
Complete transparency on all private business and real estate loan rates and fees. No hidden costs, no surprises at closing.
Private Lending Rate Matrix
Rates updated weekly. Your final rate depends on LTV, property type, experience, and market conditions.
Rate Disclaimer: All rates are indicative only and subject to change. Final rates are determined by property type, borrower experience, LTV, term length, and market conditions. Contact us for a formal term sheet on your deal.
Business, Unsecured & Agricultural Financing
Financing for operating businesses, start-ups, SMEs and farms, with unsecured options that keep your assets free. Available across the United States, Canada, the UAE, the UK and selected international markets.
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
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 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
Amortized Loan Repayment Calculator
Estimate your monthly payment, total interest and full amortization schedule. Choose a program preset or enter your own numbers, then switch between fully amortizing and interest-only with a balloon payment.
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Amortization schedule
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This calculator provides estimates for illustration only and is not a loan offer or commitment to lend. Actual rates, points, terms and payments depend on underwriting, property type, leverage, borrower experience and market conditions. Payments shown exclude taxes, insurance, escrow, servicing and other fees. All loans are for business or investment purposes only.
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
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
Know Your Numbers. Get a Term Sheet Today.
No obligation. No application fee. Formal quote within 24 hours.