Business Loan Broker in Pasadena, CA

Swallowgate Advances is a licensed commercial business loan broker in Pasadena that connects local companies to SBA 7(a) loans, working capital, equipment financing, commercial real estate funding, business lines of credit, invoice factoring, and specialty programs, without lending directly or holding capital ourselves.

What a Business Loan Broker Does

A business loan broker matches your company to lenders and structures your application for speed to funding. We assess your revenue, credit, collateral, and industry, then shop your file across our network of banks, credit unions, alternative lenders, and SBA-preferred partners. You avoid the trial-and-error of applying solo, and lenders see a polished package ready for underwriting.

Next steps: Gather twelve months of bank statements, two years of business tax returns, a current profit-and-loss statement, and a brief use-of-funds memo. Call (626) 243-2512 to schedule a file review at our 800 E Colorado Blvd office in Pasadena, CA.

Who Qualifies for Brokered Financing

Most Pasadena-area businesses qualify if they show six months of operating history, revenue above $10,000 per month, and a personal credit score in the mid-600s or higher. We work with retailers along Colorado Boulevard, medical practices in San Marino, contractors in Altadena, manufacturers in South Pasadena, and distributors near the 210 corridor. Startups may access SBA microloans or equipment leases; mature companies often fit SBA 7(a) or commercial real estate programs.

Action list: Confirm your entity is registered with the California Secretary of State, verify your Pasadena business license is current, and pull a free credit report before you call.

Typical Uses for Brokered Capital

Clients deploy funds to lease warehouse space in Eagle Rock, purchase CNC machines for Sierra Madre shops, refinance merchant cash advances, hire seasonal staff, acquire competitor locations in Alhambra, or bridge invoice gaps through factoring. A small business lending broker structures each deal around your cash-flow cycle and collateral, not a one-size template.

How it works

How to Apply Through Swallowgate Advances

Call (626) 243-2512 or visit 800 E Colorado Blvd, Pasadena, CA 91101 to start. We review your documents, identify three to five matching programs, submit applications in parallel, and manage lender questions until you receive term sheets. You compare offers, choose one, and close, often within two to four weeks for working capital or six to eight weeks for SBA 7(a) loans.

Pasadena Scenario: Multi-Location Retail Expansion

A family-owned boutique on South Lake Avenue wanted to open a second store in La Cañada Flintridge and needed $250,000. We packaged financials, lease letters of intent, and a market-study excerpt, then placed the file with an SBA-preferred lender. The borrower closed in seven weeks and used equipment financing for point-of-sale systems and fixtures.

Related programs

Other ways we can help

Serving the Pasadena area

Local guidance across Pasadena, CA

Swallowgate Advances in Pasadena, CA

We know which lenders fund which kinds of Pasadena 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 Pasadena

Do business loan brokers charge upfront fees?+
Swallowgate Advances earns a success fee paid by the lender at closing, so Pasadena businesses pay nothing out of pocket to start the application process.
Can a broker help if my credit score is below 650?+
Yes. We access alternative lenders, invoice factoring, and equipment-lease programs that weigh revenue and collateral more heavily than personal credit alone.
How long does brokered funding take in Pasadena?+
Working capital and lines of credit often fund within two weeks; SBA 7(a) loans typically close in six to eight weeks; commercial real estate can take eight to twelve weeks depending on appraisal and title.
What documents does a business loan broker need?+
Bring twelve months of business bank statements, two years of business and personal tax returns, a current profit-and-loss statement, accounts-receivable aging if applicable, and a one-page summary of how you will use the funds.
Do brokers only work with SBA loans?+
No. Swallowgate Advances places commercial real estate loans, equipment financing, invoice factoring, merchant cash advance alternatives, and bridge loans across banks, credit unions, and private capital sources.
Can I apply for multiple loan types at once?+
Yes. We often submit parallel applications for a term loan and a line of credit, or combine SBA 7(a) with equipment financing, so you choose the best fit when term sheets arrive.
Is a business loan broker the same as a mortgage broker?+
Commercial loan brokers focus on business debt, working capital, equipment, real estate, while residential mortgage brokers handle home purchases. Some brokers hold dual licenses, but Swallowgate Advances specializes in commercial transactions for Pasadena companies.
Which Pasadena neighborhoods do you serve?+
We work throughout Pasadena, San Marino, South Pasadena, Altadena, San Gabriel, Kinneloa Mesa, Alhambra, Eagle Rock, Sierra Madre, La Cañada Flintridge, and Temple City. Visit our service areas page or call (626) 243-2512 to confirm coverage., Ready to compare lenders? Contact Swallowgate Advances at (626) 243-2512 or stop by 800 E Colorado Blvd, Pasadena, CA 91101. Learn more about Pasadena business funding on our city hub.

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