Business Loans in Union, NJ
Swallowgate Lending Group brokers business loans Union Township companies rely on for growth, equipment, and daily cash flow.
Swallowgate Lending Group brokers business loans Union Township companies rely on for growth, equipment, and daily cash flow.
The owner of a family-run HVAC contractor on Stuyvesant Avenue needs three new service vans before the summer cooling season hits. His accountant mentions SBA programs, his bank suggests a business line of credit, and a mailer promises same-day merchant cash. He doesn't know which path fits his cash flow, his tax return, or his plan to bid on larger Union Board of Education facilities contracts. That's the conversation we start every week with Union Township business owners who know they need capital but want a guide, not a sales pitch.
We are a licensed commercial loan broker, not a lender. That means we represent you, not a single bank's quota. Union sits at the crossroads of Routes 22 and the Garden State Parkway, home to Kean University, Bed Bath & Beyond's historic headquarters footprint, and a diverse mix of retail plazas, auto dealerships, medical offices, and light manufacturing along Springfield Road and Morris Avenue. Each industry carries different collateral, revenue cycles, and documentation standards. We match your situation to the right lender and program, then walk you through underwriting, term sheets, and closing.
Loan programs
For expansion, acquisition, or refinancing with longer terms and competitive structures, remain the gold standard for established Union businesses with solid financials and patience for a thorough process.
More on SBA 7(a) LoansSeasonal retailers along Route 22 and service companies managing payroll gaps often need fast or short-term business loans that fund within days and repay over months, not years.
More on Working Capital and Short-Term LoansWhether you're replacing kitchen equipment in a Morris Avenue restaurant or upgrading CNC machinery in a light industrial shop, spreads the cost across the useful life of the asset.
More on Equipment FinancingA gives Union companies a safety net for inventory purchases, unexpected repairs, or bridging receivables without reapplying each time.
More on Business Lines of CreditB2B contractors waiting on municipal or corporate payments can access cash immediately through , while high-volume retail and hospitality businesses may consider merchant cash advance tied to daily card sales.
More on Invoice Factoring and Merchant Cash AdvanceNewer Union ventures, solo practitioners, and micro-enterprises often start with that require less documentation and lower minimums.
More on Small Business LoansFrom our Elizabeth office at 200-226 Williamson St, we serve Union Township with the same concierge process: a discovery call to understand your revenue, collateral, and timeline; a curated shortlist of lender matches; help preparing your package; and guidance through every signature. You stay focused on your Union customers while we manage the capital stack. For broader regional context, explore our Elizabeth hub.
Call (908) 201-4117 to start the conversation. We'll meet you where you are, whether that's a Stuyvesant Avenue storefront or a Springfield Road warehouse.
What we broker
For Union businesses, matched to the right lender.
Learn moreFor Union businesses, matched to the right lender.
Learn moreFor Union businesses, matched to the right lender.
Learn moreFor Union businesses, matched to the right lender.
Learn moreFor Union businesses, matched to the right lender.
Learn moreFor Union businesses, matched to the right lender.
Learn moreFor Union businesses, matched to the right lender.
Learn moreFor Union businesses, matched to the right lender.
Learn moreServing the Union area
We know which lenders fund which kinds of Elizabeth businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Why Elizabeth owners trust Swallowgate Lending Group
Talk to a local advisor and get matched to the right program, no obligation.