Small Business Loans in New Haven, CT, All Programs
Fast Answer: Cedargrove Credit brokers business loans New Haven companies use to expand, buy equipment, cover payroll, and purchase property.
Fast Answer: Cedargrove Credit brokers business loans New Haven companies use to expand, buy equipment, cover payroll, and purchase property.
What we broker
Fast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreFast, local guidance and lender matching for New Haven businesses.
Learn moreYour pizzeria on Wooster Street needs a new oven by Friday. Your manufacturing shop in Fair Haven just landed a contract but payroll hits before the deposit clears. Your retail store near Yale wants to buy the building before another buyer locks it up.
Business loans New Haven owners need arrive faster when a broker handles the search. We sit at 129 Church St, New Haven, CT 06510, and we know which lenders move quickly for Connecticut deals. You describe the need, we match the program, and funding starts.
New Haven's mix of university spin-offs, legacy manufacturers along the Quinnipiac, hospitality clusters downtown, and retail corridors in Westville creates specific cash-flow patterns. A biotech startup needs different terms than a catering company serving Yale events. We broker loans that fit the rhythm of your revenue, not a national template.
Speed matters here. Commercial landlords don't wait. Equipment sellers move inventory. Contractors demand deposits. We cut the lag between application and cash.
SBA loans
Program Summary: SBA 7(a) loans offer long repayment terms and broad use cases, acquisition, renovation, working capital, refinancing. Amounts reach several million dollars. The Small Business Administration guarantees a portion, so lenders accept moderate credit and newer businesses. Expect two to six weeks for funding after you submit documents.
Learn more about SBA loans New Haven businesses rely on for growth capital.
Working capital
Program Summary: Working capital loans cover payroll, inventory purchases, rent, and seasonal dips. Funding arrives in days, sometimes 48 hours. Repayment spans three months to two years. Lenders review bank statements and revenue history, not just credit scores. Ideal when cash flow lags but sales remain steady.
Explore working capital New Haven options for fast cash.
Equipment financing
Program Summary: Equipment financing pays for machinery, vehicles, kitchen gear, medical devices, and tech hardware. The equipment itself serves as collateral, so approval comes faster and credit requirements relax. Terms stretch five to seven years, matching the useful life of the asset. Funding typically closes within one week.
See equipment financing details for New Haven shops.
Real estate
Program Summary: Commercial real estate loans fund the purchase or refinance of office buildings, warehouses, retail storefronts, and mixed-use properties. Terms run ten to twenty-five years. Lenders evaluate the property's income and your business financials. Expect three to eight weeks for closing, depending on appraisal and title work.
Read about commercial real estate loans in New Haven.
Program Summary: A business line of credit gives you a revolving credit limit, draw cash when needed, repay, then draw again. Interest accrues only on the outstanding balance. Approval takes days. Use it for uneven cash flow, emergency repairs, or opportunistic inventory buys. Limits range from ten thousand to several hundred thousand dollars.
Check business lines of credit terms and speed.
Invoice factoring
Program Summary: Invoice factoring converts unpaid B2B or B2G invoices into immediate cash. You sell the receivable at a discount; the factoring company collects from your customer. No debt appears on your balance sheet. Funding happens within 24 to 48 hours. Best for businesses with long payment cycles or government contracts.
Discover invoice factoring for New Haven contractors.
Banks say no for a dozen reasons, thin credit files, short operating history, lumpy revenue, collateral gaps. We know which non-bank lenders and credit unions fund those profiles. We also know which programs close fastest.
The Yale corridor, the Medical District along Howard Avenue, and the industrial pockets near Brewery Street all generate strong cash flow but look different on paper. A broker translates your story into the language lenders want.
We're local. Drive to our Church Street office in ten minutes from anywhere in New Haven, West Haven, East Haven, Hamden, Woodbridge, North Haven, Branford, Ansonia, North Branford, Bethany, or Milford. Call (475) 324-8340 and talk to someone who knows the New Haven market.
View our full service area to confirm we cover your town.
At a glance
Common questions
Why New Haven owners trust Cedargrove Credit
Talk to a local advisor and get matched to the right program, no obligation.