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Business Loan Broker in New Haven, CT

Answer: Cedargrove Credit is a licensed commercial business loan broker serving New Haven and surrounding towns.

What a Business Loan Broker Does

A small business loan broker matches your company to lenders you wouldn't find on your own. We submit one application to multiple funding sources, banks, credit unions, alternative lenders, then negotiate terms while you run your business. You save weeks of paperwork and phone tag. We earn a commission from the lender when your loan closes, so the service costs you nothing upfront.

Cedargrove Credit operates as a business lending broker across New Haven County. We know which lenders move fast on SBA loans, which ones fund equipment in 48 hours, and which programs fit seasonal businesses along the Shore Line East corridor.

Loan programs

Programs a Small Business Lending Broker Can Access

Answer: We broker SBA 7(a) loans, working capital advances, equipment financing, commercial real estate mortgages, business lines of credit, invoice factoring, and revenue-based funding. Each program suits different needs, SBA for long-term growth, factoring for immediate cash, lines of credit for flexibility.

### SBA Loan Broker Services

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SBA 7(a) loans offer up to 25-year terms and lower down payments than conventional bank loans. We prepare the application, gather tax returns and financials, and submit to SBA-preferred lenders. Approval typically takes two to six weeks. Many New Haven manufacturers and retail shops near the Green use SBA financing to buy real estate or consolidate debt.

### Equipment Finance Broker Options

Need a box truck, CNC machine, or commercial HVAC system? Equipment loans and leases often close in three to five business days. The equipment itself serves as collateral, so startups and newer companies qualify more easily. We've helped Hamden contractors and East Haven auto shops secure gear without tying up working capital.

### Invoice Factoring and Working Capital

Factoring companies buy your unpaid invoices at a discount, putting cash in your account within 24 hours. It's not a loan, no debt added to your balance sheet. We connect you to broker factoring companies that serve B2B and freight clients. Working capital products, including merchant cash advances, fund within one to three days when speed trumps cost.

How it works

How to Work With Cedargrove Credit

Call (475) 324-8340 or visit our office at 129 Church St, New Haven, CT 06510. Bring six months of bank statements, recent tax returns, and a rough idea of how much you need. We'll discuss your situation, pull options within 24 hours, and walk you through every document before you sign.

We serve New Haven and nearby towns, West Haven, Milford, Branford, North Haven, Hamden, Woodbridge, Ansonia, North Branford, Bethany, and East Haven. Most clients close within two weeks; time-sensitive deals move faster.

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Related programs

Other ways we can help

SBA Loans

Local guidance and lender matching for New Haven businesses.

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SBA 7(a) Loan

Local guidance and lender matching for New Haven businesses.

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Business Line Of Credit

Local guidance and lender matching for New Haven businesses.

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Serving the New Haven area

Local guidance across New Haven, CT

Cedargrove Credit in New Haven, CT

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

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

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Common questions

Common questions about business loans in New Haven

What does a business loan broker charge?+
Brokers earn a commission from the lender after your loan funds. You pay no upfront broker fees. Some lenders pass a small origination or packaging fee to the borrower, disclosed before you sign.
Do I need perfect credit to use a broker?+
No. We work with lenders who accept credit scores as low as 550 for certain programs. Stronger credit unlocks better rates and terms, but options exist across the spectrum.
How is a business loan broker different from a bank?+
A bank offers only its own products. A small business loan broker shops multiple lenders at once, comparing rates, speed, and qualification criteria so you get the best fit.
Can a broker help with commercial real estate loans?+
Yes. We connect buyers to commercial real estate lenders offering traditional mortgages, SBA 504 loans, and bridge financing for properties in New Haven and surrounding areas.
How fast can a business lending broker get funding?+
Equipment loans and factoring close in one to five days. Working capital often funds within 48 hours. SBA and commercial mortgages take two to eight weeks depending on documentation and property appraisals.
Will applying through a broker hurt my credit?+
We run a soft inquiry during the initial review. Hard credit pulls happen only when you choose a lender and authorize a formal application.
What if I've been turned down by my bank?+
Banks decline deals for dozens of reasons, industry type, time in business, collateral gaps. Alternative lenders and specialized programs often say yes where traditional banks cannot.
Do brokers only work with established companies?+
No. Startups, franchises, and newer businesses qualify for equipment leases, merchant advances, and some SBA programs. We match your profile to lenders who understand your stage and industry., Cedargrove Credit 129 Church St, New Haven, CT 06510 New Haven, CT (475) 324-8340

Why New Haven owners trust Cedargrove Credit

Licensed Commercial Loan Broker
Broker, Not a Lender
No Upfront Fees
Confidential & Secure
Local to New Haven, CT
National Lender Network

Ready to move on funding?

Talk to a local advisor and get matched to the right program, no obligation.

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