Built to be on your side.
KQT Advisors was founded on a simple observation: businesses of all sizes are often left to navigate complex financing alone, facing lenders whose incentives don't always align with theirs.
We built KQT Advisors to change that. Our focus is the relationship on both sides of the table: with the lender and with the client. That means understanding what a business actually needs, identifying the right capital structure, and staying in it from first conversation through closing.
We work with businesses and real estate investors nationwide across SBA programs, commercial real estate, bridge, hard money, construction, and specialty financing.
We work with clients in all 50 states across every major loan program we offer.
We move quickly because your time matters. Fast pre-qualifications, clear timelines, and consistent communication from day one.
No upfront fees, no hidden charges. We earn 1% only when your deal closes. Our incentives are aligned with yours.
Every deal is different. We match you to the right product and lender based on your specific goals, timeline, and financial profile.
From application through closing, we handle the complexity so you don't have to. Lender negotiations, document prep, and advocacy included.
One call. Dozens of lenders.
When you apply directly to a single bank, you get one answer. When you work with KQT Advisors, your deal goes to our entire network of lenders at once: banks, credit unions, private lenders, and SBA-preferred institutions, all competing to fund your deal on the best terms possible.
You focus on running your business. We handle everything else.
across the country
your loan funds
or retainers
A single bank can only offer what they have. We submit your deal to dozens of lenders simultaneously, so you get competing offers and the best rate, structure, and terms available in the market.
Not every lender funds every deal type. After years of working across SBA, bridge, hard money, CRE, and specialty programs, we know exactly which lenders are the right fit for your specific situation before we ever send them a package.
Applying to multiple banks on your own means multiple hard pulls on your credit and weeks of back-and-forth. We package your deal once and go to the right lenders, protecting your credit score and your time.
One bank saying no does not mean the deal is over. We have lenders for situations that conventional banks will not touch, including complex income, recent credit issues, non-standard properties, and more.
Chasing down banks, preparing packages, negotiating terms: that is our job. Your job is running your business. We handle the entire financing process from start to close so you never have to take your eyes off what matters.
Financing solutions that move.
From government-backed SBA programs to fast-close bridge deals, we've got the products and the relationships to get your deal done.
The most flexible SBA program for working capital, acquisitions, equipment, and real estate. Long terms, low down payments, competitive rates.
- Working capital and operating expenses
- Business acquisitions with low down payment
- Debt refinancing and consolidation
- Equipment, leasehold improvements, and real estate
- 680+ credit score
- 2+ years in business (some exceptions)
- U.S.-based for-profit business
- Must demonstrate inability to obtain conventional financing
Purpose-built for commercial real estate and heavy equipment. Fixed below-market rates with long amortization for owner-occupied properties.
- Purchasing owner-occupied commercial real estate
- Heavy equipment with 10+ year useful life
- New construction or major renovations
- Businesses seeking long-term fixed payments
- 650+ credit score
- Tangible net worth under $20M
- 10% down payment (standard); 15–20% for startups or special-use
- Owner must occupy 51%+ of the property
Fast-close short-term capital for acquisitions, renovations, and time-sensitive deals. Close in as little as 14 days. LOC options also available.
- Acquiring a property before long-term financing is secured
- Value-add or rehab projects awaiting stabilization
- Time-sensitive closings where speed is the priority
- Bridge lines of credit for ongoing capital needs
- Asset-based underwriting; income documentation varies
- Clear exit strategy (refinance or sale)
- Property or asset as collateral
- Terms typically 6–36 months
Conventional and agency financing for commercial real estate investments including multifamily, mixed-use, retail, and industrial properties.
- Multifamily and apartment acquisitions or refinances
- Retail, office, and industrial investment properties
- Mixed-use and specialty commercial assets
- Stabilized income-producing properties
- DSCR typically 1.20x or higher
- 65–75% LTV depending on asset class
- Experienced borrower or sponsor preferred
- Rent rolls, operating statements, and appraisal required
Special financing for businesses buying their own commercial property. Up to 85% LTV with competitive terms structured for owner-users.
- Businesses ready to stop paying rent and own their space
- Medical, dental, and professional offices
- Warehouses, manufacturing, and light industrial
- Retail storefronts and mixed-use owner occupants
- No 51% occupancy requirement, unlike SBA 504
- Strong business cash flow and DSCR
- As little as 15% down
- 2+ years operating history preferred
Buying an existing business? We structure SBA and conventional financing to get the deal done with minimal cash out of pocket.
- Buying an existing small business or franchise
- Partner buyouts and ownership transitions
- Acquiring a business with real estate included
- First-time buyers with limited capital
- 10% down payment in most cases
- 680+ credit score
- Business must show demonstrated cash flow
- Buyer industry experience preferred by most lenders
Specialized financing for licensed medical, dental, and veterinary professionals. 100% financing available for practice acquisitions and buildouts.
- Purchasing an existing medical or dental practice
- New practice startup or buildout
- Equipment-heavy practices needing full-stack financing
- Newly licensed professionals with limited savings
- Active professional license (MD, DDS, DMD, DVM, etc.)
- Strong credit profile (700+ preferred)
- Practice financials or proforma for startups
- No prior bankruptcies or malpractice judgments
Turn your outstanding invoices into immediate working capital. Fast funding against accounts receivable with no long-term debt obligation.
- B2B businesses with slow-paying commercial clients
- Government contractors waiting on payment
- Businesses with strong receivables but tight cash flow
- Bridging gaps between invoicing and collection
- Verifiable, creditworthy commercial or government debtors
- Clean, undisputed invoices
- No tax liens or UCC conflicts on receivables
- Business credit and owner background check
Asset-based lending lines secured by receivables, inventory, and equipment. Scalable credit facilities that grow with your business.
- Mid-market companies with significant AR and inventory
- Seasonal businesses needing flexible liquidity
- Companies that have outgrown traditional credit lines
- Businesses in growth mode needing scalable capital
- Minimum facility size typically $1M+
- Regular field exams and borrowing base certificates
- Clean collateral with no prior senior liens
- Audited or reviewed financials preferred
Lines of credit and term loans for inventory, payroll, and growth. Right-sized for your business, structured for flexibility.
- Covering payroll, inventory, and operating expenses
- Seasonal cash flow gaps
- Funding a contract or project before payment arrives
- Building a credit facility before you urgently need it
- 620–680+ credit score depending on program
- 6–24 months in business depending on lender
- Business bank statements and financials
- Revenue minimums vary by lender and product
Asset-based financing secured by the property value, not personal income. Ideal for fix and flip, value-add, and non-conforming deals that need speed.
- Fix and flip residential and commercial properties
- Value-add deals that don't qualify for conventional financing
- Borrowers with credit challenges or complex income
- Non-warrantable properties or unique asset types
- Property as primary collateral (LTV typically 65–75%)
- Clear exit strategy required
- Experience in real estate investing preferred
- Minimal income documentation in most cases
Finance the machinery, vehicles, and technology your business needs to grow. Keep cash in the business while securing the equipment that drives revenue.
- Heavy machinery, vehicles, and manufacturing equipment
- Medical and dental equipment
- Technology, software, and IT infrastructure
- Restaurant and food service equipment
- Equipment itself serves as collateral
- 620+ credit score for most programs
- Equipment quote or invoice from vendor
- New and used equipment eligible; useful life must support term
Five steps to funded.
We learn about your business, goals, and timeline. No commitment, no pressure.
We quickly assess your eligibility and identify the best loan programs for your situation.
We work with you directly to gather the right documents and make sure everything is in order for approval. You're never on your own in this step.
We submit to the right lenders, negotiate terms, and advocate for your deal.
We guide you through closing. You get funded. Our fee is earned only at this stage.
Real deals. Real results.
A few words from business owners and investors we've had the privilege of working with.
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. There's nothing we would change about the experience.
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.
Common questions.
Everything you need to know about working with KQT Advisors.
No need to feel overwhelmed, that's what we're here for. We'll kick things off with a consultation to understand your business needs. From there, we'll provide recommendations on the best programs and funding options currently available to help you reach your goals.
We offer SBA 7(a), SBA 504, bridge financing, hard money, DSCR, conventional CRE, owner-occupied CRE at 85% LTV, AR financing, ABL credit facilities, doctor and dental loans at 100% financing, equipment financing, business acquisition, working capital, lines of credit, and more, all available nationwide across all 50 states.
Our fee is 1% of your total loan amount. The best part? We only get paid if your loan is funded, ensuring our success is directly tied to yours.
The timeline depends on the program and the complexity of your deal. In many cases, funding can be secured in as little as 30 business days. For more complex transactions the process may take 60 to 90 business days. Bridge financing can close in as little as 14 days.
The minimum loan amount varies by program, but typically we work with loans starting at $50,000. We can help you determine which options are best suited for your funding needs.
We work with a wide range of industries, from retail and healthcare to manufacturing and service-based businesses. Our goal is to find the best funding solutions regardless of your industry.
While good credit can improve your chances, we work with businesses of all credit backgrounds. There are programs designed for various credit situations and we can help you explore your options. SBA programs typically require a minimum credit score of 680.
Typically you'll need financial statements, tax returns, bank statements, and a business plan or purpose for the loan. We have quick programs you can apply for in less than 15 minutes. We'll guide you through the specific requirements based on the program you choose.
We assess your business's financial health, creditworthiness, and the overall strength of your application. Pre-qualification takes as little as 5 minutes for some programs. Our consultation process helps identify the right programs your business may qualify for.
Don't worry. Every lender has different criteria. If you've been denied in the past, we can explore alternative funding options that might be a better fit for your business.
Having strong financials, a clear purpose for the loan, and good credit all help. We're here to guide you through the process and maximize your chances of approval.
Yes, most loans can be used for a variety of purposes including working capital, equipment purchases, expansion, payroll, or refinancing existing debt. During our consultation we'll help you find the loan that best aligns with your business goals.
Yes. We offer specialized programs for licensed doctors, dentists, and veterinarians with 100% financing available for practice acquisitions and buildouts.
Absolutely. A significant portion of our work is CRE financing, from multifamily acquisitions to bridge and hard money deals for value-add plays. We also produce full underwriting memos for complex transactions.
Let's talk about your deal.
No commitment, no pressure. Tell us about your business and what you're looking to accomplish, and we'll come back with honest, clear guidance on your options.