Say hello
to simple
transparent
business financing
at your fingertips
Access the world’s best financing and cut through all the red tape with Pier 45 Capital
The Pier 45 Promise
Our Process
Simple, predictable steps — so you always know what’s next.
Fill out our quick form
Tell us a little about your business so we can learn the essentials fast.
We analyze your project
We review your info and identify the best financing options available.
We present tailored options
You receive clear, custom-tailored financing choices for your business.
You pick — we support
Choose the option you like best. We stay with you to answer questions and close the deal.
Why Pier 45
We Win Together
We never charge up-front fees. We only get paid when your financing closes. We win when you win.
Non Exclusivity
You can explore other financing options anytime—no restrictions or commitments.
White Glove Service
You get your own business consultant who guides you through every step of the process.
Our Key Products
| Feature | SBA 7(a) | SBA 504 | Bridge Financing |
|---|---|---|---|
| Primary Use | General business purposes (working capital, equipment, real estate) | Long-term fixed assets (real estate, major equipment) | Short-term funding while waiting for permanent financing |
| Loan Size | Up to $5M | ~$20M (can be more) | Varies; often $250K–$10M+ |
| Term Length | Up to 25 years | 10–25 years | 6–24 months (short-term only) |
| Interest Rate | Variable or fixed (moderate) | Fixed (lower) | Fixed (higher) |
| Down Payment | 10–20% | 10–20% | 20–30% (or strong collateral) |
| Speed to Funding | Moderate | Slower | Fast |
| Best For | Flexible, multipurpose financing | Buying or improving owner-occupied real estate | Quick access to funds before SBA/long-term loan closes |
Manufacturing
Hospitality
Logistics
Office
Construction
What’s Next?
Submit your initial business description and we can see if we are a fit.
Let’s Get Started