About Stonecroft Lending Group, Carrollton Commercial Loan Brokers

Stonecroft Lending Group is a licensed commercial loan broker serving Carrollton, TX and surrounding communities including Farmers Branch, Addison, Coppell, Hebron, and The Colony. We connect small and mid-size businesses with vetted commercial lenders across multiple programs: SBA 7(a), working capital, equipment financing, commercial real estate, business lines of credit, invoice factoring, and more. Because we don't lend our own capital, we can show you competing offers side by side, so you choose based on total cost and terms rather than a single institution's appetite that week.

The broker model matters in North Texas, where a Frankford Road logistics company and a Trinity Mills retail tenant face different collateral, cash-flow, and timeline realities. Banks approve what fits their credit box. We find the box that fits your business, then negotiate clearer pricing so you understand every fee before signing.

Path one: apply to your bank, receive one offer, accept or decline. Path two: work with a local loan broker TX who submits your profile to multiple lenders, returns with three to five term sheets, then explains which fees are negotiable and which structures cost less over the full term. Transparency starts with comparison. When you see that Lender A charges two points upfront but offers a lower rate, while Lender B rolls costs into the balance at a higher rate, you can calculate true expense and match it to your cash position.

We earn compensation from the lender you choose, so our incentive aligns with closing a deal you understand and can service comfortably. We disclose that relationship up front. What we won't do is quote an interest rate before we know your financials, because pre-qualification requires real numbers: revenue, time in business, credit profile, collateral, and use of funds. Cost transparency also means naming the documents you'll need and the timeline each lender follows, so you're never surprised by a request two days before closing.

Our team holds active licenses required by Texas law for commercial loan brokering. We maintain relationships with regional banks, credit unions, SBA-preferred lenders, alternative finance companies, and equipment lessors. That network expands your options beyond the institutions advertising on highway billboards. We stay current on SBA policy updates, underwriting standards, and market pricing so we can position your file competitively.

Authority in this business comes from repetition: structuring deals across industries, navigating lender objections, and knowing which documentation resolves underwriter concerns fastest. When a Coppell client's tax returns show a loss but cash flow is strong, we know which lenders adjust for owner distributions and which won't. When a Farmers Branch retailer needs funding before holiday inventory ships, we know which programs close in two weeks. That expertise saves you trial and error.