Lender network across the country
Business Loans, SBA & DSCR Financing
Tesni, LLC helps business owners and real estate investors compare SBA 7(a) and 504 loans, business lines of credit, equipment financing, commercial real estate, DSCR rental loans and bridge financing from a nationwide lender network. Lenders set the rates, fees and credit decisions.
Submitting an inquiry does not commit you to a loan. Rates, fees and approval are determined by the lender.
What we actually do
You share your deal once, we package the file, and we present it to lenders whose programs fit. You compare the offers, and the lender you choose closes the loan.
7(a) and 504
Government-backed loans for business and real estate
Commercial property
Owner-occupied and investor real estate financing
Rental loans
Qualified on property cash flow, not personal income
Capital
Lines of credit and short-term business funding
Why compare lenders
A single lender can only offer its own programs. We compare several at once. That matters when two lenders draw different lines on credit, collateral or property type for the same deal.
We work with SBA lenders, traditional commercial banks, DSCR and rental-property lenders, and private bridge and hard-money lenders. The right fit depends on the property, the use of funds and how much documentation you can provide.
We tell you what a program requires before you apply, and we tell you early if a deal does not fit. No runaround, no endless paperwork for the sake of paperwork.
What you can expect
A real person
You talk to someone who knows commercial lending, not a call center.
An honest read
If we can help, we explain how. If we cannot, we say so and point you elsewhere when we can.
A clear comparison
You see the lender terms side by side before you commit to an application.
Loan programs we compare
Every program below is offered by third-party lenders. Loan amounts, LTV, credit and collateral requirements vary by lender and program.
Business Loans
Term loans and SBA financing for working capital, equipment, acquisitions and owner-occupied real estate.
- SBA 7(a) up to $5M
- Equipment financing
- Working capital
- Business acquisition
Business Lines of Credit
Revolving credit for payroll, inventory and seasonal gaps. Draw what you need and repay as cash comes in.
- Revolving credit lines
- Collateral varies by program
- Fast access to funds
- Interest only on used funds
Working Capital Loans
Short-term funding for day-to-day operations, payroll, inventory and seasonal gaps.
- Amounts vary by lender
- Short terms available
- Quick decisions
- Flexible use of funds
SBA Loans
Government-backed 7(a) and 504 loans for business acquisition, real estate and equipment.
- SBA 7(a) up to $5M
- SBA 504 for real estate
- Terms up to 25 years
- Lender-set terms
Equipment Financing
Finance machinery, vehicles, medical equipment and technology with terms matched to the asset.
- Amounts vary by lender
- Terms 2-7 years
- Machinery and vehicles
- Technology and medical
Commercial Real Estate Loans
Finance office, retail, warehouse and mixed-use property, including owner-occupied and investor deals.
- SBA 504 loans
- Traditional commercial loans
- Bridge financing
- Construction loans
DSCR Loans
Investment-property loans that qualify on property cash flow instead of personal income.
- No income verification
- Investment property focus
- Fast approval process
- Compare lender offers
Real Estate Investment Loans
Financing for fix-and-flip, BRRRR and rental-property strategies.
- Fix-and-flip loans
- BRRRR financing
- Rental property loans
- Hard money options
Not sure which program fits? Start with the use of funds and the property type. We will narrow the lender list from there.
Why businesses work with Tesni, LLC
We are measured by whether the lender we introduce you to is the right fit - not by whether we can push a single product.
Compare lender options
We package one file and present it to lenders whose criteria fit your deal.
One file, many lenders
Lenders make every credit decision. We help you compare their terms side by side.
Program breadth
SBA, traditional commercial, DSCR, bridge and specialty programs in one place.
Straight answers
If a deal does not fit a program, we tell you early instead of wasting your time.
Business financing by industry
Industry context helps us match the program. The lender still makes the final credit decision.
Manufacturing
Equipment financing, working capital and expansion loans.
Real estate
Commercial property, DSCR rental and investment-property financing.
Professional services
Practice acquisition, equipment and working-capital financing.
Technology
Growth capital, equipment and working-capital financing.
Watch: Fund Your Next Big Move
See how Tesni connects businesses and real estate investors with financing options.
Frequently asked questions
Straight answers about programs and timelines.
What are the credit requirements for business loans?
Credit requirements vary by lender and loan program, and there is no single score cutoff. Some programs weigh cash flow, collateral, time in business and guarantor strength more heavily than a credit score.
Are DSCR loans available with no income verification?
Yes. DSCR loans qualify borrowers using the property cash flow rather than personal income documentation. Each lender sets its own minimum DSCR, reserve and credit requirements.
What are commercial real estate loan requirements?
Commercial real estate lenders weigh credit, down payment, property cash flow and borrower experience. Requirements vary by lender, property type and deal; there is no single credit-score cutoff.
How long does business loan approval take?
Timelines vary by program. A simple line of credit can close in one to three weeks, a typical SBA 7(a) in four to eight weeks and an SBA 504 in six to ten weeks. Appraisals and construction draws can extend any timeline.
What does it cost to apply?
There is no upfront fee to submit an inquiry through this website. Lender fees, if any, are disclosed in the loan estimate and closing documents.
Compare business financing options
Tell us the use of funds, the property and the timeline. We will map the programs that fit and the lenders most likely to compete for the file.
All loans are subject to lender approval and program eligibility.