Business & Equipment

CloverLeaf brings over 100 years of combined experience closing commercial business loans. We are a company made up of former commercial bankers, CFOs, business owners, and investors—and because we’ve been where you are, we have experience with your unique borrowing needs. We’ve worked with business owners in every industry and are experts in traditional bank, SBA, and private-business lending.
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Business Types

Student Housing
Hospitality - Hotels / Restaurants
Service Related Companies
Medical / Healthcare
Nursing / Assisted Living
Cannabis (Equipment & Real Estate Only)
Basically, any business with lending needs
We are creative thinkers who love a challenge. We thrive on difficult to place loans. If there’s a way to get it done, we’ll find the path to success. Because of our long-standing relationships with over 800 lenders, we’re able to negotiate the most competitive terms and can cut through the red tape to facilitate speedy loan closings.
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Types of Financing

Business Start-Ups
Do you have an amazing business idea but lack the funds to get it off the ground? CloverLeaf is here to help! We offer business start-up financing at competitive rates, with terms that are flexible to fit your needs.
Business Acquisitions
Are you buying a pre-existing business? CloverLeaf Lending specializes in business acquisition financing. We have the experience and knowledge to get your business the funding it needs to start off on the right path to success.
Business Expansions
Are you expanding your business offerings and/or locations? CloverLeaf excels in business expansion financing. We have the right lending sources to get your business the funding it needs to grow.

Business Real Estate
CloverLeaf understands that your business is unique, and so are your financing needs. Whether you're looking to purchase a new property, refinance an existing one, or make improvements to your current property, we have a solution that's right for you.
Working Capital
CloverLeaf is proud to offer working capital financing to businesses of all sizes. This product is ideal for companies that are looking to grow or expand their operations. With working capital financing, you will have the funds you need to cover operational costs and take your business to the next level.
Lines of Credit
CloverLeaf Lending is proud to offer line of credit financing to our valued customers. With this option, you can have capital on hand when you need it, and not pay interest on borrowed funds when you do not need the additional capital.
Debt Refinance
Debt refinancing is a great way to save money on your monthly payments and improve your cashflow through reducing the interest you pay on your debt. CloverLeaf offers competitive rates and terms to help you get the most out of your debt refinancing.
Inventory Financing
Inventory financing allows you to pre-order and have product on hand ready to sell when your customer is at your door ready to purchase. Whatever your needs, CloverLeaf can help. We offer competitive rates and flexible terms, so you can get the funding you need.
Purchase Order Financing
Purchase order financing is a flexible and convenient way to get the funding you need to fill large client orders. CloverLeaf delivers the capital you need to grow your business.
Accounts Receivable Financing
Receivables financing in effect speeds up the collection on your accounts receivable. This helps to increase your working capital to maintain or grow business operations. CloverLeaf offers various types of financing that are ideal solutions for these scenarios including open lines of credit and individual receivable financing.
Equipment Financing
If you're in the market for new equipment or looking to refinance currently owned equipment, CloverLeaf is here to help! We offer a variety of equipment financing options to suit your needs and budget. With competitive rates and flexible terms, we can help you get the equipment you need to grow your business.
Partner Buyouts
If you're looking for a way to finance a partner buyout, look no further than CloverLeaf. We are experts in structuring complex situations. We'll work with you to find the best solution for your unique scenario.

Lending Sources

We offer three tiers of lending. Each tier has its own unique characteristics and benefits depending on your needs. Give us a call today to discuss our offerings in greater detail as they relate to your lending needs.
Tier 1  Lending
In Tier 1, we obtain the best pricing, but this comes with a more detailed underwriting process.
Conventional Bank (national and local sources)
SBA (7a and 504 products)
Tier 2 Lending
Tier 2 has slightly higher pricing but can result in higher loan amounts, slightly relaxed underwriting guidelines, and expedited timelines to close.
Premium Private Lending
Tier 3 Lending
Tier 3 comes at a higher price, but deals have less restrictive underwriting processes and are closed quickly.
Short Term Bridge Loans
Higher Credit Risk Lending

Start Your Loan Application

Please fill out the form below and we will follow up with you in 24 hours to discuss your loan.
Cloverleaf Commercial Lending is a capital advisory firm that assists business owners, real estate investors and developers with sourcing debt for their companies and projects.

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