Shortcut your loan shopping

We've scoured the earth for motivated, experienced lenders actively financing cash-flow based business loans. Our process will save you countless hours and put you on a path to getting your debt arranged so you can be confident you're getting the best deal with a lender you can trust to close.


The small business loan market is the most challenging it has been in years

SBA 7(a) interest rates are increasing and lender pricing is all over the place. Loan shopping and lender selection has never been more critical to searcher success.

Source: SBA 7(a) Loan Database as of 6/30/23

Close with Confidence

You've found your perfect acquisition, but you need a lender to get the deal done on the best possible terms and pricing.  The problem is: lender criteria are opaque and continuously shifting. A borrower usually spends $5-10K just to get an underwriting decision that remains non-binding until closing. Shopping for the best debt deal is time consuming and costly. Selecting a lender who can't execute or who waffles late in the process can ultimately kill a deal.

We use our experience, relationships, market intelligence, and knowledge of the SMB loan market to build your short list of prospective lenders. This allows you to skip the costly and time consuming process of a thorough debt sourcing effort.  It instantly puts you onto the right path toward confidently closing your debt financing!

Frequently Asked Questions

What's in this for Cub Investments?

We get a small cut of the broker's loan fee, which is paid at closing and covers our costs. More importantly, we use this program to nurture our SMB ecosystem ties. We get to know searchers at the most critical moments of their search. Monitoring the loan market also provides valuable intelligence for our own searching, investing, and operating activities.

Why did you do this?

In early 2023 we were working on a few different loan sourcing projects for our investments. We started observing larger than usual variances across loan term sheets, even among reputable lenders we believed had very competitive rates. It turned out that the loan market had changed, and that was confirmed from our analysis of the SBA loan data and other sources. That set us off on a path canvassing as much of the SMB loan market as we could.

What types of loans do you have?

We have products for a wide range of SBA and non-SBA-backed loan programs including various forms of SBA 7(a) loans, 504, conventional term loans, revolving lines of credit, working capital loans, equipment financing, and more. We have products with different repayment structures including PIK, interest-only, and fully or partially amortizing term loans. 

Won't this mean I pay more fees?

Fee structures are fixed at the project level and channel agnostic from the standpoint of the borrower. The lender will make a bit less in fees because those fees get shared with the broker, but you won't end up paying more for entering the loan process using a broker channel. You will likely save money through the better rate and reduced risk. 

Isn't it better to cut out all the middlemen and go directly to the lender?

Not necessarily. Brokers add value by scanning for the best rate and holding the lender accountable through the entire loan process. As an ongoing source of business for the lender, the broker relationship is far more important to the bank than your one-off loan, so having them in the middle is often helpful. Plus, the broker will help you prepare for a smooth process and avoid making mistakes with the lender that would put your loan in jeopardy.  

Let's Do It

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