Carrollton, TX · Commercial loan broker
Stonecroft Lending Group connects Carrollton businesses with commercial financing through a transparent broker process.
Why work with a broker in Carrollton: one application reaches many lenders, so you compare options instead of chasing banks one at a time. No cost to apply.
Picture a logistics company on Luna Road that needs three new delivery vans before the holiday shipping surge. The owner can walk into a single bank, accept the first offer, and hope the rate is fair. Or he can call a commercial-loan broker who shops his file to twelve lenders, surfaces three competing proposals, and explains every fee in plain language before he signs.
A commercial-loan broker presents multiple lender offers side by side, translating origination fees, prepayment terms, and collateral requirements so you choose the deal that fits your cash flow. Direct lender applications lock you into one underwriting committee and one rate card. Brokered deals let you compare, negotiate, and move forward only when the numbers make sense for your Carrollton operation.
Most businesses near the intersection of Addison Road and Beltline discover hidden costs only at closing. We surface those costs during the shopping phase, when you still have leverage to walk away or negotiate better terms.
Who we serve
Stonecroft Lending Group works with established companies and newer ventures throughout Carrollton, Farmers Branch, Addison, Coppell, Hebron, and The Colony. We help manufacturers along the President George Bush Turnpike corridor secure equipment financing. We connect retail shops in the historic downtown square with working capital for inventory builds. We guide medical practices in the Josey Lane medical district through SBA 7(a) acquisitions when one physician buys out a partner.
Our clients include service contractors, distributors, healthcare providers, restaurants, and professional-services firms that need $50,000 to $5 million in commercial capital. If you generate steady revenue, maintain business bank accounts, and can document two years of operation, you likely qualify for at least one of the programs we broker. Startups with strong personal credit and industry experience can access certain working-capital products and smaller equipment loans.
We operate from 16775 Addison Rd, Addison, TX 75001, Carrollton, TX, a ten-minute drive from the Carrollton DART station and fifteen minutes from Dallas Love Field. Call us at (972) 587-6244 to discuss your scenario.
Loan programs
Payments align with the useful life of the equipment, so a five-year truck loan does not stretch into year eight when the vehicle needs replacement. See details on our equipment financing page.
Transparent brokers show you the total payback amount and the effective cost so you can compare a twelve-month working-capital loan against a six-month line of credit. Visit our working capital loans page for program comparisons.
We broker revolving lines and non-revolving tranches, explaining draw fees, maintenance covenants, and annual-review triggers in plain language.
SBA 7(a) financing covers business acquisitions, commercial real estate purchases, partner buyouts, and long-term working capital with government-backed guarantees that reduce lender risk. Terms stretch to ten years for equipment and twenty-five years for owner-occupied real estate, smoothing monthly payments and preserving operating cash. Because the Small Business Administration guarantees a portion of each loan, lenders accept lower down payments and longer amortizations than conventional commercial paper.
More on SBA 7(a) LoansEquipment financing lets Carrollton businesses acquire machinery, vehicles, or technology using the asset itself as collateral. Lenders typically advance 80 to 100 percent of invoice price with terms matched to the asset's useful life.
More on Equipment Financingstructures the asset itself as collateral, letting Carrollton manufacturers, contractors, and medical practices acquire machinery, vehicles, or technology without depleting cash reserves Lenders advance 80 to 100 percent of the invoice price, and the equipment secures the note. If you order a CNC mill, a bucket truck, or an MRI scanner, the lender files a UCC-1 lien on that specific asset rather than requiring a blanket lien on all business property.
More on Equipment FinancingWorking capital loans give Carrollton businesses a fixed lump sum to cover payroll gaps, inventory purchases, and seasonal cash-flow swings. Terms run six to eighteen months with repayment structured around your revenue cycle.
More on Working Capital Loansproducts deliver short-term cash to cover payroll gaps, inventory purchases, seasonal hiring, or unexpected repair bills when revenue timing does not match expense timing Terms run six to eighteen months, and underwriters focus on bank-account deposits and accounts-receivable aging rather than real-estate appraisals. A landscaping company in Coppell can secure $75,000 in March to buy mowers and hire crews before the spring rush, then repay from April through October revenue.
More on Working CapitalA business line of credit gives Carrollton businesses revolving access to capital—draw what you need, repay, and draw again without reapplying. You pay interest only on the outstanding balance, ideal for variable cash-flow needs.
More on Business Lines of Creditin Carrollton functions like a credit card with a higher limit and lower cost, letting you draw funds as needed, repay, and draw again without reapplying You pay interest only on the outstanding balance, so a $100,000 line costs nothing during months you carry a zero balance. Lines suit businesses with fluctuating cash needs tied to project cycles, such as IT consultants who pay subcontractors before the client's net-30 invoice clears.
More on Business Line of CreditWe also connect Carrollton businesses with commercial real estate loans for purchasing warehouses or retail storefronts and invoice factoring for companies that cannot wait 60 days for customer payments. Each program carries distinct cost structures and collateral requirements, which we map against your balance sheet before you submit an application.
More on Additional ProgramsHow it works
1. Discovery call: You describe your funding need, timeline, and current financial position during a twenty-minute phone conversation at (972) 587-6244. 2. Document review: We collect two years of business tax returns, recent bank statements, and a summary of how you will deploy the capital. 3. Lender matching: We submit your profile to our network of regional banks, credit unions, and specialized commercial lenders, targeting those who actively write your loan type and industry. 4. Proposal comparison: Within one week you receive two to four term sheets, and we translate each origination fee, prepayment penalty, and collateral clause into plain English. 5. Closing coordination: Once you select an offer, we shepherd paperwork through underwriting, answer lender questions, and schedule the funding date.
Transparency means you see broker compensation disclosed on the settlement statement, and you understand whether the lender pays our fee or whether it appears as a line item in your closing costs.
Why us
Carrollton sits at the crossroads of the Dallas North Tollway and President George Bush Turnpike, giving businesses next-day truck access to DFW International Airport and the Union Pacific intermodal terminal. The city's 2025 economic-development incentives favor advanced manufacturing and logistics, sectors that rely on equipment financing and real-estate acquisition loans. Local lenders understand this infrastructure and price deals accordingly when a broker presents the story correctly.
Stonecroft Lending Group knows which North Texas banks prioritize Carrollton ZIP codes, which credit unions offer the fastest SBA turnaround, and which alternative lenders will consider a startup near the DART corridor. That local knowledge shrinks your search time from six weeks to six days and surfaces lenders you would never find through an internet search.
For a deeper look at financing across the metro, visit our Dallas-Fort Worth business loans hub.
Every loan carries costs beyond the interest rate: origination points, underwriting fees, appraisal charges, legal-document prep, and sometimes broker compensation. Opaque processes bury these line items in closing-day paperwork. Transparent brokers itemize costs in the proposal phase, explain which fees are negotiable, and show you the all-in capital expense so you can compare apples to apples.
We will never quote a rate without context. A 7 percent note with zero points and no prepayment penalty costs less over three years than a 6 percent note that carries three origination points and a five-year lockout. We build those scenarios in a spreadsheet and walk you through the math before you choose.
Why us
Brokers expand your options, compress your timeline, and negotiate terms you cannot access as a single applicant walking into a branch. A bank loan officer represents one institution and one rate card. A broker represents your interest, shopping your file to the lenders most likely to approve your industry, loan size, and collateral mix. If the first two lenders pass, we pivot to the next tier without you starting over.
Brokered deals also deliver competitive tension. When a lender knows two rivals are reviewing the same file, pricing sharpens and underwriting moves faster. You gain leverage without spending six weekends filling out redundant applications.
Read about our approach on the About Stonecroft Lending Group page, or explore the full list of cities we serve on our Service Areas page.
Serving the Carrollton area
We know which lenders fund which kinds of Carrollton businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Market context
We match companies across manufacturing, distribution, healthcare, and retail with SBA 7(a) loans, equipment financing, working capital, commercial real estate funding, business lines of credit, and invoice factoring, helping you compare lender terms before you commit.
There are more than 33 million small businesses in the United States.
SBA Office of AdvocacyMost firms that apply for financing seek $100,000 or less.
Federal Reserve Small Business Credit SurveyAbout half of applicant firms sought funds mainly to cover operating expenses.
Federal Reserve Small Business Credit SurveyNational data, reviewed 2026, figures from primary sources.
What owners say
Told us upfront what to fix before applying, which saved us a hard pull.
They explained exactly what the lender wanted before we applied, so there were no surprises.
Straight answers and no runaround. We finally understood our options.
They packaged our file properly and took it to the right people the first time.
Local, responsive, and honest about what would and wouldn't work for us.
Individual client experiences; results vary by business and program.
Common questions
Why Carrollton owners trust Stonecroft Lending Group
Talk to a local advisor and get matched to the right program, no obligation.
