We help small businesses get the funding they need to keep growing.
We are proud to be partnered with the BCC Network, containing more than 23 nationally accredited lenders you know and trust such as; Citizens, Chase, BMO Harris, First Horizon and Bank of America. With these partners we are able to service your business with multiple traditional financing options like: Lines of Credit , Business Credit Cards, SBA’s, Term Loans, and Real Estate options.
Lines of Credit
Tired of maxing out your business credit cards just to keep operations running? If your working capital needs outgrow your revolving credit limits, it is time for a smarter solution.
We offer flexible line of credit options tailored for qualified business owners who need consistent, on-demand access to capital. Whether it is covering payroll, smoothing out cash flow gaps, or funding short-term projects, a business line of credit gives you the freedom to draw what you need when you need it without reapplying each time.
You will only pay interest on what you use, and as you repay, your available credit replenishes just like a credit card, but with higher limits, better terms, and fewer headaches.
Stay in control of your business finances with a revolving credit solution designed for real operational needs.
- Lines of Credit
- On Demand Capital
- Better Limits, Better Terms
- Tailored Solutions
SBA Programs
Mammoth is happy to service businesses like yours with several SBA programs:
7(a) Loans – SBA’s flagship program provides financing up to 5 million dollars for nearly any business purpose. You can use it for working capital, purchasing or improving real estate, refinancing debt, buying equipment or inventory, and even for changes in ownership.
504 Loans – Ideal for major fixed assets, 504 loans offer long-term, fixed-rate financing through certified development companies (CDCs). They can fund projects up to 5.5 million dollars for purchasing land or buildings, constructing new facilities, or acquiring heavy machinery and equipment.
Microloans – For smaller needs, the SBA’s microloan program delivers up to 50,000 dollars. These loans can cover working capital, inventory, supplies, furniture, fixtures, machinery and equipment, helping newer or very small businesses grow.
SBIR/STTR Grants – Technology-focused firms can access nondilutive R&D funding through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs.
MARC Line of Credit – The 7(a) Manufacturer’s Access to Revolving Credit (MARC) program supports small manufacturers with monitored credit lines up to 5 million dollars for short-term needs such as inventory or new projects.
BCC Solutions
Still swiping your debit card like it’s 1996? Through our network, we match business owners with premium credit card offers from top-tier banks — tailored to your business needs and lifestyle.
Whether you're looking for 0% APR for 12 months, cash-back on expenses, or generous rewards, we’ll help you find the right fit — including employee card options and built-in expense tracking.
Note: Some higher-tier cards may require opening a business checking account at a local branch.
Real Estate Financing Options
Whether you are leveraging existing property or planning a new acquisition, we provide a range of real estate financing solutions to support growth and expansion.
Cash-Out Refinance – Access property equity to reinvest, expand, or strengthen cash flow — without selling the asset.
HELOC (Home Equity Line of Credit) – Flexible, revolving access to capital secured by real estate — with interest-only draw periods available.
Commercial & Residential Purchases – Financing options tailored for owner-occupied or investment properties, including new acquisitions.
Hard Money Loans – Quick approvals and asset-based funding for time-sensitive real estate opportunities.
From strategic cash access to long-term financing — we help you take the next step with confidence.
Traditional Consolidation
Overwhelmed by multiple business loan payments or feeling the squeeze on cash flow? Our consolidation program offers qualified businesses a streamlined solution: consolidate your existing debts into one affordable monthly payment with terms up to 48 months and rates designed to improve your financial breathing room.
We pay off your current lenders directly within 10 business days of closing, and if there is a surplus after all balances are settled, the remaining funds are deposited into your business account. You choose a term that fits your budget and we take care of the rest.
This program features a single fixed monthly payment, extended terms, and the potential for additional working capital — all designed to help you manage cash flow more efficiently and reduce stress.
To qualify, businesses typically need a FICO score of 680 or higher, at least 3 years in operation, no bankruptcies within the last 3 years, no federal tax liens, and a personal guarantee.
Bridge Loans
Cash flow gaps slowing you down? Whether you are waiting on delayed receivables or struggling with late vendor payments, our bridge loan solutions are designed to keep your business moving.
We offer fast-access capital across multiple asset classes, so you can borrow against what you already own or earn. Available collateral options include:
- Commercial and residential real estate
- Business revenue advance
- Equipment assets
Bridge loans are ideal for short-term needs like covering payroll, inventory, or project costs while you wait on incoming funds. Quick to fund and tailored to your timeline, they help you stay agile even when cash gets tight.
