Croftbrook Credit is a licensed business loan broker in Roanoke that connects local companies to SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, and specialty programs through a network of commercial lenders.
A small business loan broker acts as your advocate in the commercial lending market, shopping your application across multiple funding sources instead of limiting you to one bank's underwriting criteria. Croftbrook Credit reviews your financials, matches you to programs that fit your approval profile, and prepares your package to meet each lender's documentation standards. Because we work with regional banks, credit unions, and alternative lenders familiar with the Roanoke Valley economy, we can route manufacturing clients in Bonsack toward equipment finance broker channels while steering hospitality operators near Grandin Village toward working capital or SBA broker pathways that recognize seasonal revenue swings.
Our role differs from a direct lender: we don't fund loans ourselves. Instead, we broker the relationship, which often improves your approval odds by presenting your story to the right underwriter the first time. For a freight company in Hollins exploring invoice factoring, we connect you to broker factoring companies that advance cash against receivables. For a dental practice in Cave Spring eyeing a second location, we structure applications for commercial real estate loans that local portfolio lenders understand.
Loan programs
SBA 7(a) and SBA Express loans remain the backbone of small business lending broker work in Roanoke. These government-backed programs accept lower down payments and longer amortizations than conventional bank loans, making them ideal for acquisitions, expansions, or refinancing high-cost debt. We guide you through the SBA's paperwork requirements and broker your file to SBA loan broker partners who close deals in the metro.
Working capital and business lines of credit keep cash flowing when you're waiting on receivables or stocking inventory ahead of a busy quarter. Manufacturers along the 220 corridor and retail shops in Vinton use these revolving facilities to smooth out timing gaps without pledging hard assets.
Equipment financing and leasing let you acquire machinery, vehicles, or technology while the equipment itself serves as collateral. A landscaping contractor in Cloverdale can finance mowers and trucks, while a medical office in Daleville can lease diagnostic equipment, often with minimal down payment because the lender holds a lien on the asset.
Invoice factoring and freight-broker factoring convert unpaid invoices into immediate cash. New freight broker factoring companies and established broker factoring companies both operate in our network, so logistics firms in Troutville can access advances within 24 hours of submitting a load invoice.
How it works
Start by calling (540) 458-9744 or visiting our office at 1323 Grandin Rd SW, Roanoke, VA 24015. We'll discuss your funding need, review recent financials, and explain which programs match your approval profile. You'll provide tax returns, bank statements, and a brief narrative about how the capital will be deployed. We then submit your package to lenders in our network, negotiate terms, and coordinate closing. The entire broker process typically takes two to four weeks for SBA deals and as little as a few days for working capital or factoring arrangements.
Consider a gift shop near the Blue Ridge Parkway entrance that wants to add a second storefront in downtown Roanoke before the summer tourism season. The owner has steady cash flow but limited liquidity for a lease deposit, build-out, and inventory. Croftbrook Credit brokers an SBA 7(a) loan that covers leasehold improvements and six months of working capital, pairing it with a small equipment financing line for new point-of-sale hardware. Because we know local lenders who understand Parkway traffic patterns and downtown foot traffic, we position the application to highlight seasonal strength rather than letting a national underwriter view it as risky volatility.
Shopping lenders yourself means filling out multiple applications, each with different formats and documentation lists. A business loan broker near me search leads you to Croftbrook Credit, where one conversation and one document set reach dozens of funding sources. We also explain trade-offs: a hard money lending broker option might close faster but carry higher costs, while an SBA broker route takes longer yet offers better long-term pricing. Roanoke's mix of legacy manufacturing in Bonsack, healthcare clusters around Carilion, and hospitality ventures in Boones Mill means no single lender fits every deal. Our brokerage model widens your options and tailors the match.
For more detail on individual programs, visit our Roanoke business loans city hub or explore our full service areas across Roanoke County and beyond.
Serving the Roanoke area
We know which lenders fund which kinds of Roanoke businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Roanoke owners trust Croftbrook Credit
