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

Loan Options













Your business deserves a lender who understands your vision




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


Call Us

Email Us

Write a Message




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!