Empowering you with fast, flexible loans
Transparent terms with no hidden fees
Personalized solutions tailored to your needs
Swift approvals to meet your deadlines

Your business deserves a lender who understands your vision
Your business deserves a lender who understands your vision

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About Our Company

About Our Company:
Curating Simple and Accessible Financing
At Sosillas Financial, our journey began with a simple goal: to make business financing easier and more accessible. As former business owners ourselves, we understand the challenges entrepreneurs face when trying to secure funding to grow and succeed. That’s why we built a company focused on bridging the gap between businesses and the financial solutions they need.


Personalized Financing Solutions for Every Business
Over the years, we’ve partnered with a diverse range of lenders, crafting custom solutions for clients, from small startups to established enterprises. Every business has a unique story, and Sosillas Financial is proud to be part of that narrative, offering support, expertise, and the resources necessary to turn ambition into reality. With us, securing the right loan isn’t just about the numbers—it's about unlocking new possibilities for your future.

The Right Fit for You
Sosillas Financial provides a variety of loan options tailored to meet the diverse needs of businesses

The Right Fit for You
Sosillas Financial provides a variety of loan options tailored to meet the diverse needs of businesses
Have Questions?
FACTORING
Our Factoring services provide a smart solution for businesses needing immediate cash flow. By selling your accounts receivable at a discount, you can access funds quickly, allowing you to invest in growth without waiting for customer payments.
KEY FEATURES
Advance Rate: Up to 98% of invoice value
Fees: Competitive factoring fees based on invoice amount and terms starting as low as 2%
Credit Score: No minimum required (based on customer creditworthiness)
Funding Speed: Access to funds within 4 hours
FACTORING
Flexible Factoring Solutions with Fast Approval
Our Factoring services provide a smart solution for businesses needing immediate cash flow. By selling your accounts receivable at a discount, you can access funds quickly, allowing you to invest in growth without waiting for customer payments.
Key Features:
Advance Rate: Up to 98% of invoice value
Fees: Competitive factoring fees based on invoice amount and terms starting as low as 2%
Credit Score: No minimum required (based on customer creditworthiness)
Funding Speed: Access to funds within 4 hours

Why Choose Us?
Our factoring solutions are designed to provide quick and reliable funding, allowing you to focus on what matters most—growing your business.

WORKING CAPITAL
Our Working Capital loans provide businesses with the cash flow needed to cover daily operations, unexpected expenses, or business expansion. Whether you need funds for payroll, inventory, or marketing, our flexible working capital solutions have you covered.
KEY FEATURES
Term Length: Up to 36 months
Credit Score: No Min. Credit Score
Loan Amounts: $1,000 to $500,000+
No Collateral Required
Most Business Types Eligible
Same-Day Funding Available
WORKING CAPITAL
Fuel Your Business with Working Capital Solutions
Our Working Capital loans provide businesses with the cash flow needed to cover daily operations, unexpected expenses, or business expansion. Whether you need funds for payroll, inventory, or marketing, our flexible working capital solutions have you covered.
Key Features:
Term Length: Up to 36 months
Credit Score: No Min. Credit Score
Loan Amounts: $1,000 to $500,000+
No Collateral Required
Most Business Types Eligible
Same-Day Funding Available

Why Choose Us?
Quick access to funds can make all the difference in running a successful business. We offer fast approval times and flexible terms to suit your cash flow needs.

COMMERICAL REAL ESTATE
Our Commercial Real Estate loans provide the necessary funding for purchasing or refinancing commercial properties, including office buildings, retail spaces, and industrial facilities. We cater to businesses of all sizes, ensuring you have the financial support you need.
KEY FEATURES
SMALL BALANCE COMMERICAL REAL ESTATE
Term Length: 5-Year ARM, 30 Year Fixed
Credit Score: Minimum 650
Loan Amounts: $100,000 to $5 million
LTV (Loan-to-Value): Up to 80%
Full Doc, No Doc, and Bank Statement Program Available
MID-BALANCE COMMERICAL ESTATE
Term Length: 3/5/10 Year Fixed
Non-Recourse
Loan Amounts: $100,000 to $100,000,000
LTV (Loan-to-Value): Max LTV of 65%
Foreign National: Borrower must have a checking account in a US based Bank
Eligible Properties: Multifamily, office, warehouse, self-storage, and mixed-use property types
OWNER OCCUPIED COMMERCIAL REAL ESTATE
Term Length: 3/5/10 Year Fixed
Credit Score: 660
Loan Amounts: $5,000,000 to $25,000,000
LTV (Loan-to-Value): Max LTV of 70%
Foreign National: Borrower must have a checking account in a US based Bank
Eligible Properties: Industrial, Manufacturing, Office, Warehouse, and self-storage
COMMERICAL REAL ESTATE
Empowering Growth Through Commercial Real Estate Financing
Our Commercial Real Estate loans provide the necessary funding for purchasing or refinancing commercial properties, including office buildings, retail spaces, and industrial facilities. We cater to businesses of all sizes, ensuring you have the financial support you need.
Key Features:
Small Balance Commercial Real Estate
Term Length: 5-Year ARM, 30 Year Fixed
Credit Score: Minimum 650
Loan Amounts: $100,000 to $5 million
LTV (Loan-to-Value): Up to 80%
Full Doc, No Doc, and Bank Statement Program Available
Mid-Balance Commercial Real Estate
Term Length: 3/5/10 Year Fixed
Non-Recourse
Loan Amounts: $100,000 to $100,000,000
LTV (Loan-to-Value): Max LTV of 65%
Foreign National: Borrower must have a checking account in a US based Bank
Eligible Properties: Multifamily, office, warehouse, self-storage, and mixed-use property types
Owner Occupied Commercial Real Estate
Term Length: 3/5/10 Year Fixed
Credit Score: 660
Loan Amounts: $5,000,000 to $25,000,000
LTV (Loan-to-Value): Max LTV of 70%
Foreign National: Borrower must have a checking account in a US based Bank
Eligible Properties: Industrial, Manufacturing, Office, Warehouse, and self-storage

Why Choose Us?
With our experience in commercial lending, we work closely with you to find the right financing solution, ensuring a smooth transaction and quick turnaround.

INVESTMENT REAL ESTATE
Our Investment Real Estate loans are tailored for investors looking to acquire residential or commercial properties. Whether you're a seasoned investor or just starting out, we provide flexible financing solutions to help you expand your portfolio. Whether you're constructing single-family homes, condos, townhomes, or 2-4 unit properties, we've got a solution for you!
KEY FEATURES
DSCR RENTAL
Term Length: Up to 30 years
Credit Score: Minimum 620
Loan Amounts: $50,000 to $5 million
LTV (Loan-to-Value): Up to 80%
Interest Rates: Starting at 5.5%
Where We Lend: All States (with the exception of AK, NV, ND, SK, and VT)
NEW CONSTRUCTION
Term Length: 6 to 24 Months
**Credit Score: Minimum 600
Loan Amounts: $200,000 to $5 million
LTC (Loan-to-Cost): Up to 90%, 100% of Build Costs
Where We Lend: AL, CO, FL, GA, IN, KY, MI, MO, NC, OH, SC, TN, TX
FIX AND FLIP
Term Length: 6 to 24 Months
Credit Score: No credit score needed
Loan Amounts: $150,000 to $2 million
LTC (Loan-to-Cost): Up to 93%
LTV (Loan-to-Value): Up to 75%
Interest-Only Loans
Where We Lend: All States except Louisiana, Missouri, Minnesota, Nevada, New York, Nevada, North Dakota, and South Dakota
FIX AND FLIP - 100% LOAN-TO-COAST
Term Length: 6 to 12 Months
Credit Score: Minimum 620
Loan Amounts: $150,000 to $1 million
LTC (Loan-to-Cost): Up to 100% LTC, up to 75% of ARV on Flips, not to exceed 100% of costs
Where We Lend: Alabama, Georgia, Florida, Indiana, Missouri, North Carolina, Ohio, Tennessee, and Texas
INVESTMENT REAL ESTATE
Tailored Funding Solutions for Investment Real Estate
Our Investment Real Estate loans are tailored for investors looking to acquire residential or commercial properties. Whether you're a seasoned investor or just starting out, we provide flexible financing solutions to help you expand your portfolio. Whether you're constructing single-family homes, condos, townhomes, or 2-4 unit properties, we've got a solution for you!
Key Features:
DSCR Rental
Term Length: Up to 30 years
Credit Score: Minimum 620
Loan Amounts: $50,000 to $5 million
LTV (Loan-to-Value): Up to 80%
Interest Rates: Starting at 5.5%
Where We Lend: All States (with the exception of AK, NV, ND, SK, and VT)
New Construction
Term Length: 6 to 24 Months
**Credit Score: Minimum 600
Loan Amounts: $200,000 to $5 million
LTC (Loan-to-Cost): Up to 90%, 100% of Build Costs
Where We Lend: AL, CO, FL, GA, IN, KY, MI, MO, NC, OH, SC, TN, TX
Fix and Flip
Term Length: 6 to 24 Months
Credit Score: No credit score needed
Loan Amounts: $150,000 to $2 million
LTC (Loan-to-Cost): Up to 93%
LTV (Loan-to-Value): Up to 75%
Interest-Only Loans
Where We Lend: All States except Louisiana, Missouri, Minnesota, Nevada, New York, Nevada, North Dakota, and South Dakota
Fix and Flip - 100% Loan-to-Cost
Term Length: 6 to 12 Months
Credit Score: Minimum 620
Loan Amounts: $150,000 to $1 million
LTC (Loan-to-Cost): Up to 100% LTC, up to 75% of ARV on Flips, not to exceed 100% of costs
Where We Lend: Alabama, Georgia, Florida, Indiana, Missouri, North Carolina, Ohio, Tennessee, and Texas

Why Choose Us?
We understand the nuances of real estate investing and offer personalized service to ensure you secure the right financing for your investment goals.

EQUIPMENT FINANCING
Our Equipment Funding solutions are designed to help businesses acquire the machinery and tools they need to operate efficiently and grow. Whether you're looking to purchase new equipment or upgrade your existing assets, we offer tailored financing options to meet your specific requirements.
KEY FEATURES
Term Length: 24 up to 120 months
Credit Score: Minimum 600
Loan Amounts: $5,000 to $5,000,000
Application only up to $300,000
Custom Payment Options
Dealer and Private Party Sales
Same-Day Funding Available
Attractive Early Payoff Options
EQUIPMENT FINANCING
Versatile Equipment Financing Solutions for Any Business
Our Equipment Funding solutions are designed to help businesses acquire the machinery and tools they need to operate efficiently and grow. Whether you're looking to purchase new equipment or upgrade your existing assets, we offer tailored financing options to meet your specific requirements.
Key Features:
Term Length: 24 up to 120 months
Credit Score: Minimum 600
Loan Amounts: $5,000 to $5,000,000
Application only up to $300,000
Custom Payment Options
Dealer and Private Party Sales
Same-Day Funding Available
Attractive Early Payoff Options

Why Choose Us?
With fast approvals and funding, you can get the equipment you need without the long wait. Let us help you keep your business competitive with the right tools!
