Gulfco carries a complete portfolio of commercial financing products. From $5,000 equipment leases to $5 million commercial real estate — we match your situation to the right product and the right lender.
Purchase, refinance, or extract equity from commercial real estate. Hotels, motels, restaurants, strip malls, office buildings, mixed-use, and raw land. SBA 504 and conventional options. We close deals that traditional banks decline.
Acquire new or used equipment without depleting working capital. Three structures available: Equipment Lease, Equipment Finance Agreement (EFA), and Sale-Leaseback. Application-only to $150,000. Full documentation to $5 million.
Not sure whether to lease or do an EFA? Here is the simple breakdown:
Government-backed financing with the best rates and longest terms available for small businesses. Gulfco shops your application across our network to find the best approval. Up to $5 million, rates currently 9–11%, terms up to 25 years on real estate.
Most small businesses qualify. Key requirements:
Not sure if you qualify? Call us. We review your situation quickly and honestly and tell you whether SBA is the right path before you spend time on paperwork.
Revenue-based working capital for any legitimate business purpose. No collateral required for qualified businesses. Fast decisions. $10,000 to $2 million. Use the funds for payroll, inventory, marketing, expansion, equipment, or any business need.
We have programs for businesses that do not meet every requirement. Call us and describe your situation — we will tell you what is available.
Asset-backed financing for real estate investors and businesses that cannot wait for traditional bank timelines. Underwriting is based primarily on the asset value — not just your credit score or tax returns. Close in days, not months.
Healthcare providers wait 90–180 days for insurance reimbursements. Medical receivable financing converts those outstanding claims into immediate operating cash — without waiting and without traditional debt. Keep your practice running while the insurance clock ticks.
We work with smaller practices and billing companies that don't meet every requirement. Contact us to discuss your specific situation.
A Merchant Cash Advance is not a loan — it is a purchase of your future credit card and debit card sales at a discount. You receive a lump sum upfront and repay via a fixed percentage of your daily card revenue. No fixed monthly payment. Repayments slow when your sales slow.
You receive a $50,000 advance at a factor rate of 1.30. Total to repay = $65,000 ($50,000 × 1.30). If the holdback rate (percentage of daily sales withheld) is 12%, and you average $3,000/day in card sales, your daily repayment is $360. At that pace the advance pays off in approximately 180 days. If sales slow, payoff takes longer. If sales spike, payoff comes faster.
MCA is fast and flexible but typically more expensive than term loans or SBA loans. It is best suited when:
Gulfco note: We will always show you the lowest-cost product you qualify for first. If SBA or a term loan works for your situation, we tell you. We do not push MCA when a better option exists.
Revolving access to capital on demand — draw what you need, repay it, draw again. You pay interest only on what you have outstanding. Ideal for businesses with seasonal cash flow, ongoing inventory needs, or unpredictable operating expenses.
Financing for the purchase of an existing business, a franchise, or a startup with strong projections. We specialize in deals where the borrower doesn't have years of operating history. SBA 7(a) is often the best tool — it allows 10–20% down on business acquisitions.
We analyze your situation and recommend the lowest-cost solution that gets you funded. No pressure, no pitch.