Most banks have a separate department dedicated to small businesses - one that's focused on their banking as well as borrowing needs. The borrowing needs are often met with business credit cards or overdraft facilities / lines of credit. At the small business level, loans/lines are typically unmargined. The upper limit for small business borrowing is different for every bank and ranges from $250,000 to $750,000, of course with exceptions. Personal credit strength of the company’s owner(s) is often a major factor in small business lending. A big advantage is that costs and reporting requirements are low.
Because this is such a volume driven business, relationship with the lender and correct presentation of the deal can often make the difference between a loan and a rejection. Platinum Consulting can help.