Gatson Life & Financial Group lotus logoGatson Life & Financial Group
Gatson Life & Financial Group lotus logoBusiness Financing

Business financing for Dallas & Texas businesses.

Gatson Life & Financial Group now helps business owners find funding through our lending partners — working capital, SBA loans, lines of credit, equipment financing and more. Simple application, no-cost advisor, amounts up to $5 million on many programs.

Download the product playbookCall (866) 486-9959
How it works

Four simple steps.

Simple applicationNo-cost advisor
  1. 1

    Tell us what you need

    Fill out the short form or give us a call.

  2. 2

    Free review

    Talk it through with a no-cost advisor.

  3. 3

    Simple application

    Usually a signed application plus recent bank statements.

  4. 4

    Get matched and decide

    Review options from our lending partners and choose what fits.

Funding options

Financing programs

Franchise Financing

Funds to purchase and run a franchise business. Use of funds can include franchise fees, equipment, inventory, working capital, and down payments.

  • Flexible terms
  • Express funding in as little as 2 days
  • Up to 10-year terms
  • Amounts up to $5 million
Top industries
RestaurantConstruction/ContractingProfessional ServicesRetail
Qualifications & paperwork
Qualifications
  • 6+ months in business
  • $10,000+ monthly gross sales
  • No minimum FICO
Paperwork needed
  • Signed application
  • 4 months bank statements
  • Equipment invoice if applicable

Working Capital Loan

Short-term financing to maintain cash flow and cover everyday operating expenses like payroll, rent and inventory — for seasonal swings or growth opportunities.

  • Same-day funding
  • Up to 10-year terms
  • Amounts up to $5 million
  • No collateral required
  • No use-of-funds limitations
Top industries
HealthcareRestaurantsRetailAuto RepairConstruction/Contracting
Qualifications & paperwork
Qualifications
  • 4+ months in business
  • $10,000+ monthly gross sales
  • No minimum FICO
Paperwork needed
  • Signed application
  • 4 months bank statements

Accounts Receivable Financing

Sell or finance outstanding invoices for working capital, either by selling them to the lender or using them as collateral.

  • Lower interest rates
  • Express funding in as little as 2 days
  • Up to 10-year terms
  • Amounts up to $5 million
  • Doesn't require other collateral
Top industries
ManufacturingStaffingWholesale/DistributionTransportation & Logistics
Qualifications & paperwork
Qualifications
  • Aging report required
  • $500,000+ annual gross sales
  • No minimum FICO
Paperwork needed
  • Signed application
  • 4 months bank statements
  • Aging A/R & A/P report
  • Active customer list

SBA Loans

Government-backed loans for starting or expanding a business; eligibility includes size standards, ability to repay and a solid business purpose.

  • Refinance existing business debt
  • Government-backed funds
  • Approved in 24–48 hours
  • Up to 25-year terms
  • Amounts up to $5 million
Top industries
Construction/ContractingHospitalityRetailHealthcare
Qualifications & paperwork
Qualifications
  • 2+ years in business
  • $120,000+ gross annual sales
  • 675+ FICO score
Paperwork needed
  • Signed application
  • SBA questionnaire
  • Business debt schedule
  • 6 months bank statements
  • 3 years personal/business tax returns
  • Previous year + YTD P&L and balance sheet

Business Line of Credit

Borrow as needed, like a credit card; pay interest only on what you use; once repaid, the credit is available again.

  • Same-day funding
  • Cash flow management
  • Flexible repayment terms
  • Interest only paid on amount used
  • Amounts up to $5 million
Top industries
HealthcareConstruction/ContractingRetailManufacturingProfessional Services
Qualifications & paperwork
Qualifications
  • 6+ months in business
  • $10,000+ monthly gross sales
  • 600+ FICO score
Paperwork needed
  • Signed application
  • 6 months business bank statements

Equipment Financing

Obtain equipment through a loan or lease — almost any tangible asset, such as medical equipment, office furniture, production equipment and technology.

  • Monthly payments
  • Express funding in as little as 2 days
  • Low or no down payment
  • 1–5-year terms
  • Amounts up to $5 million
Top industries
HealthcareConstruction/ContractingAuto RepairManufacturing
Qualifications & paperwork
Qualifications
  • No minimum time in business
  • No minimum monthly gross sales
  • 580+ credit score (may vary by equipment type)
Paperwork needed
  • Signed application
  • 4 months business bank statements (if applicable)
  • Invoice or quote for equipment

Commercial Real Estate Financing

Financing for property intended for business use (office buildings, retail locations, warehouses, industrial facilities) — buying, selling or leasing properties that support business activities.

  • Potential for income generation
  • Appreciation
  • Hedge against inflation
  • Tax advantages
Property types
OfficeWarehouseRetail
Funding types: Owner-occupied commercial real estate; Commercial real estate investment properties
Qualifications & paperwork
Qualifications
  • Down payment
  • Necessary property documentation
  • 650+ FICO score
Paperwork needed
  • Signed application
  • 6 months business bank statements
  • Property details and address

Small Business Loan

Funding designed for small businesses, new or established, with loan types matched to different goals.

  • Same-day funding
  • Up to 10-year terms
  • Amounts up to $5 million
  • No use-of-funds limitations
Top industries
HealthcareRestaurantsRetailAuto RepairConstruction/Contracting
Qualifications & paperwork
Qualifications
  • 4+ months in business
  • $10,000+ monthly gross sales
  • 660+ credit score
Paperwork needed
  • Signed application
  • 4 months bank statements

Investment Property Loan

Purchase income-producing property, typically to renovate for rental income.

  • Express funding in as little as 20 days
  • Rates starting at 8.99%
  • Same-day pre-approval
Top industries
Construction/ContractingReal Estate
Qualifications & paperwork
Qualifications
  • Prior history
  • Minimum property value of $250,000
  • 650+ FICO score
Paperwork needed
  • Signed application
  • 6 months business bank statements
  • Property details and address

Cannabusiness Financing

Loans and lines of credit for cannabis businesses, with limited docs and customized underwriting.

  • Express funding in as little as 1–3 days
  • No collateral required
  • Amounts up to $5 million
Top products
Working capitalTerm loansLines of creditEquipment financing
Qualifications & paperwork
Qualifications
  • 6+ months in business
  • $500,000+ annual gross sales
  • No minimum FICO
Paperwork needed
  • Signed application
  • 6 months business bank statements
  • Equipment invoice if applicable

Purchase Order Financing

Helps businesses fulfill large purchase orders when they lack the cash flow to cover costs upfront.

  • Improved cash flow
  • No additional collateral required
  • No impact on personal credit
Top industries
ManufacturingWholesale/DistributionRetailImport/Export
Requirements & paperwork
Requirements
  • No minimum time in business
  • No minimum monthly gross sales
  • No minimum FICO
Paperwork needed
  • Signed application
  • 4 months business bank statements
  • Last 2 years of business financials if applicable
  • Copy of purchase order
  • Aging A/R & A/P report

Bridge Loan

Fast financing for companies that need immediate funding to cover expenses, make purchases or grow.

  • No prepayment penalties
  • Same-day funding
  • Flexible repayment terms
Top industries
ManufacturingConstruction/ContractingRetailHealthcare
Requirements & paperwork
Requirements
  • 6+ months in business
  • $10,000+ monthly gross sales
  • No minimum FICO
Paperwork needed
  • Signed application
  • 6 months business bank statements

Term Loan

Lump-sum funding repaid in fixed installments over a set period, often for equipment or expansion; fixed or variable rate.

  • Traditional APR
  • No prepayment penalties
  • Monthly payments
  • Funding in as little as 1–3 days
Top industries
HealthcareRestaurantsRetailAuto RepairConstruction/Contracting
Requirements & paperwork
Requirements
  • 2+ years in business
  • $10,000+ monthly gross sales
  • 660+ FICO score
Paperwork needed
  • Signed application
  • 4 months business bank statements

Fix-and-Flip Financing

Short-term loan for real estate investors to buy, renovate and sell properties, with funding based on the property's after-repair value (ARV).

  • Monthly payments
  • Rates starting at 8.99%
  • 1–4 units
  • Funding 80% of purchase price and 100% of rehab costs
Property types
Single FamilyMultifamilyMixed-Use
Qualifications & paperwork
Qualifications
  • 680+ credit score
  • 3 successful flips in the last 36 months
Paperwork needed
  • Signed application
  • 4 months business bank statements
  • 3 most recent HUD-1 statements

Request funding options

Financing provided through our lending partners. Subject to credit approval. Terms, rates, and funding times vary and are not guaranteed. Gatson Life & Financial Group is not a direct lender.

Prefer to talk it through?

Call (866) 486-9959Text (903) 348-0913support@gatsonlfgroup.com
8 AM–6:30 PM daily

Financing provided through our lending partners. Subject to credit approval. Terms, rates, and funding times vary and are not guaranteed. Gatson Life & Financial Group is not a direct lender.