We simplify the financing process, from SBA loans to bridge financing, so you can focus on building your business and not navigating paperwork.
KQT Advisors was established recognizing that businesses struggle to navigate complex financing alone. We're relationship-focused, understanding what businesses need, identifying the right capital structures, and supporting clients from initial contact through closing. Southern California based, serving all 50 states across SBA programs, commercial real estate, bridge, hard money, construction, and specialty financing.
Fast pre-qualifications, clear timelines, consistent communication.
No upfront fees. 1% fee earned only at closing.
Matching clients to the right products and lenders for the deal.
Full handling of the application through closing.
Submitting one application to fifty lenders is impossible alone, and applying to several individually damages your credit and burns time. We package once, present everywhere, and negotiate on your behalf.
SBA, conventional, bridge, hard money, specialty, and everything in between. We work across the full commercial financing stack and route every deal to the lender most likely to fund it well.
Working capital, business acquisitions, debt refinancing, equipment, leasehold improvements, and real estate, the flagship SBA product.
Fixed-rate financing for owner-occupied commercial real estate and heavy equipment. Among the lowest long-term commercial rates available.
Speed when timing matters. Pre-acquisition capital, value-add and rehab projects, time-sensitive closings, and bridge lines of credit.
Fixed and floating-rate financing for investment property, multifamily, retail, office, industrial, and mixed-use stabilized assets.
Buy your own building. Designed for medical and dental offices, warehouses, manufacturing, and retail storefronts.
Buy a business or franchise, fund a partner buyout, or roll real estate into the deal, including first-time buyers with limited capital.
Specialized programs for licensed medical, dental, and veterinary professionals. Many lenders offer fixed rates with no down payment.
Turn open invoices into immediate cash. Ideal for B2B with slow-paying clients or government contractors with strong receivables.
Asset-based revolving facilities for mid-market companies with significant AR, inventory, or equipment. Scales with the business.
Inventory, payroll, growth, and seasonal gaps. Lines of credit and term loans built around how your business actually operates.
Fix and flip, value-add, and credit-challenged or income-complex borrowers. Property as the primary collateral.
Machinery, vehicles, manufacturing, medical equipment, IT infrastructure, and restaurant builds, across every industry.
From the first call to the closing wire, you'll know exactly where the deal stands and what comes next.
We learn the business, the goal, and the timeline. No commitment, no pressure, no upfront cost.
We assess eligibility and identify the program most likely to fund, often in as little as five minutes.
We work directly with you to gather everything lenders need. You're not navigating it alone.
We submit to the right lenders, negotiate terms, and advocate for the structure that fits the deal.
We guide the closing process end to end. Our 1% fee is earned only when the loan funds.
A small sample of recent transactions and what those clients had to say.
Full acquisition financing for a veterinary practice, zero down payment, 100% LTV. Specialty lenders offer some of the most favorable terms in commercial finance for licensed DVMs, including no-money-down structures that simply are not available to most borrowers. This is the kind of deal we love structuring, and we are actively looking for more.
Considering a vet, dental, or medical practice acquisition? Let’s talk →A real estate investor came to us after every lender they approached passed on a half-constructed property. We built the deal as a 2nd trust deed with cross-collateralization against another asset, structured at two-year interest-only with no prepayment penalty. This is the kind of deal conventional underwriting cannot accommodate, complex collateral, mid-construction status, and creative structure. We close them because we have the lender relationships and the willingness to put in the work.
Got a deal with non-standard collateral or a funky structure? Let’s talk →"Working with KQT Advisors was an entirely different experience. They were incredibly responsive, always communicative, and genuinely kind. When we weren't eligible for the specific loan we'd hoped for, they found an alternative that worked perfectly, lowered our monthly payments, and significantly improved our cash flow. It might have saved our business. They never used any pressure tactics. They were focused on finding the best loan for our needs, not just making a sale."
"We needed working capital to grow and had never pursued an SBA loan before. KQT Advisors made the entire process smooth and positive. They walked us through every step, gave us advice that's already helped us improve how we manage our financials, and their communication stood out throughout. Their professionalism and deep knowledge gave us the confidence to keep moving forward, and the loan terms ended up exceeding our expectations."
"Kelvin's communication was always timely, and without his guidance, I'm confident we wouldn't have qualified for the loan. What stood out most was his strategic approach: breaking the loan into two separate loans was the key to achieving the results we needed. Their level of professionalism and expertise was unmatched, and the SBA loan significantly reduced our monthly debt payments."
"From start to finish, I felt like I had a true advocate in my corner. Kelvin stood out as someone who was consistently kind, patient, supportive, and informative. In the past I applied to this same lender twice and was denied, but this time, having someone in my corner made all the difference. This loan truly saved my business, and the guidance I received made a potentially daunting experience feel easy and achievable."
Also recently funded: $2MM Bridge Line of Credit
If your question isn't here, send a note, we respond fast.
A free consultation, an honest read of your situation, and a clear path forward. No upfront cost, no commitment.
Tell us about the deal. We'll be in touch.