Get more borrowers who can't get a yes from the bank.

Did the bank just tell you no? Or leave you waiting on a callback that never comes? That is the day to call Lumica. We are a direct private lender, and we place owners the bank turned down with the right loan from a wide network of banks, institutions, family offices, and private lenders. If one source won't fund it, another one will. We handle SBA, conventional, bridge, hard money, and fix and flip, all in one place. Talk to Lumica. Call 631-240-4441 or book a free loan review. Lumica Capital LLC, a direct private lender. All loans subject to credit approval.

Most brokers shop your file around and wait. We don't. Lumica works inside two Preferred SBA banks, so we move on your SBA loan while other brokers are still waiting on a callback. We do the early underwriting ourselves and send your file straight to a bank that already knows us. SBA 7(a) terms run up to 25 years. SBA 504 can need as little as 10% down. Talk to Lumica. Call 631-240-4441 or book a free loan review. Lumica Capital LLC, a direct private lender. All loans subject to credit approval.

You shouldn't have to call five lenders to find the one loan that fits. Lumica places every kind of financing under one roof. SBA 7(a) and 504. Bridge loans for the gap between one loan ending and the next one starting, usually 6 months to 2 years. Hard money based on the property's value, not just your credit. Plus working capital, equipment, and AR or PO financing. One call, and we match you to the right one. Talk to Lumica. Call 631-240-4441 or book a free loan review. Lumica Capital LLC, a direct private lender. All loans subject to credit approval.

A maybe doesn't help you close on a building or hire your next crew. You need a yes you can act on. Lumica does the early underwriting up front and issues a real Letter of Intent fast, so you know where you stand instead of waiting weeks for a bank to circle back. You bring the deal, we tell you what we can do with it. It works for SBA, conventional, bridge, and hard money loans. Talk to Lumica. Call 631-240-4441 or book a free loan review. Lumica Capital LLC, a direct private lender. All loans subject to credit approval.