Sunnyvale, CA · Commercial loan broker
Looking for business loans in Sunnyvale?
How brokering helps in Sunnyvale: instead of one bank's checkbox, you get your file in front of many lenders and a plain English comparison. No cost to apply.
Walk into a single bank on Mathilda Avenue and you'll wait weeks for one answer. Work with Croftbrook Lending Group at 2060 Walsh Ave, Santa Clara, CA 95050, Sunnyvale, CA, and you'll tap a network of lenders competing to fund your deal, often delivering term sheets in days instead of months. One path locks you into a single underwriter's criteria; the other opens multiple doors simultaneously so speed-to-funding becomes your advantage, not your bottleneck.
Who we serve
Croftbrook Lending Group brokers business loans for Sunnyvale enterprises across every stage and sector. Whether you're scaling a SaaS startup near the Caltrain station, expanding a family restaurant on El Camino Real, upgrading machinery for a contract manufacturer in the Moffett Park corridor, or acquiring commercial property along Tasman Drive, we match your capital need to the right funding program.
We serve established companies seeking SBA 7(a) loans for acquisition or expansion, seasonal businesses needing working capital to bridge receivables gaps, contractors buying trucks or CNC mills through equipment financing, retail and service firms opening business lines of credit, and invoice-dependent operations accelerating cash with factoring. Our clients span Sunnyvale, Mountain View, Cupertino, Los Altos, Alviso, Los Altos Hills, Saratoga, Campbell, Palo Alto, East Palo Alto, and Milpitas.
Because Sunnyvale sits at the heart of Silicon Valley's hardware and software ecosystem, many clients are tech-enabled manufacturers, R&D labs, and B2B service providers whose revenue cycles don't fit cookie-cutter bank templates. We broker capital for businesses that traditional lenders misunderstand or move too slowly to serve.
Loan programs
Learn more about each program on our dedicated program pages or call (408) 359-8343 to discuss which structure fits your situation.
: The SBA 7(a) program remains the gold standard for acquisition, refinancing, working capital, and real estate when you need longer terms and competitive pricing. Croftbrook brokers SBA 7(a) applications to preferred lenders who specialize in technology, manufacturing, and service sectors common in Sunnyvale.
: Revenue-based working capital keeps inventory stocked, payroll met, and marketing campaigns funded without pledging hard collateral. We connect Sunnyvale businesses to lenders offering term loans and merchant cash advances structured around monthly sales, delivering funding in days when speed-to-funding determines whether you capture a contract or lose it to a competitor.
: From automated assembly lines in Moffett Park to commercial kitchen suites on Murphy Avenue, equipment financing lets you spread the cost of machinery, vehicles, and technology over the asset's useful life. Lenders advance up to the full invoice amount, and because the equipment itself secures the loan, approval hinges on the asset's value and your cash flow rather than pristine credit alone.
: Acquiring or refinancing a warehouse, office building, or retail storefront in Sunnyvale's competitive real estate market often requires commercial mortgages with longer amortizations and lower down payments than conventional construction loans. We broker these transactions to lenders who understand Silicon Valley property values and can close before another buyer outbids you.
: A revolving credit line functions like a corporate credit card: draw funds when you need them, repay as revenue arrives, and pay interest only on the outstanding balance. Sunnyvale businesses use lines of credit to smooth seasonal dips, cover unexpected repairs, or seize time-sensitive opportunities without reapplying for a new loan every quarter.
: If your Sunnyvale business invoices government agencies, Fortune 500 tech companies, or other slow-paying customers, factoring converts those receivables into immediate cash. The factor advances most of the invoice value within days, collects payment directly from your customer, then remits the reserve minus a fee.
Why us
Sunnyvale's business landscape stretches from the historic Murphy Avenue downtown district to the sprawling Moffett Park office and industrial zone, where companies like Lockheed Martin, NetApp, and hundreds of smaller manufacturers and tech firms cluster near Highway 101 and the Lawrence Expressway interchange. Lenders unfamiliar with this geography often undervalue real estate comps, misread lease structures, or stall on environmental reviews tied to the area's aerospace and semiconductor legacy.
Croftbrook Lending Group operates from Santa Clara with daily visibility into Sunnyvale deal flow. We know which appraisers move fastest on Moffett Park industrials, which SBA lenders prioritize defense-contractor supply chains, and which working-capital providers understand subscription-revenue models common among the software companies dotting Mathilda and Kifer. That local knowledge compresses your speed-to-funding because we route your application to the lender most likely to say yes quickly.
Proximity matters when documents need wet signatures, when a lender wants a site walk-through, or when last-minute questions arise the day before closing. Our service areas span every Sunnyvale corridor and neighboring city, so we can meet you at your location or ours without adding days to the calendar.
How it works
Step One: Discovery Call Phone (408) 359-8343 or visit us at 2060 Walsh Ave, Santa Clara, CA 95050, Sunnyvale, CA. We'll ask about your funding amount, intended use, revenue, time in business, and urgency. This conversation typically takes 15 minutes and produces a shortlist of programs that match your profile.
Step Two: Documentation We send a checklist, usually bank statements, tax returns, a business overview, and any purchase agreements or invoices. You upload files to our secure portal. We review, spot gaps, and request clarifications before any lender sees the package, which prevents the back-and-forth loops that kill speed-to-funding.
Step Three: Lender Submission Croftbrook submits your complete package to two or more lenders simultaneously. Because we're a broker, not a captive agent, we can shop your deal across SBA preferred lenders, alternative finance companies, and equipment lessors in one round instead of forcing you to apply serially.
Step Four: Term-Sheet Review Lenders return term sheets outlining amount, structure, collateral, and timeline. We translate the fine print, compare offers side by side, and highlight trade-offs, longer term versus faster close, lower monthly payment versus higher total cost. You choose the offer that best balances speed-to-funding and cost.
Step Five: Closing and Funding The chosen lender orders third-party reports (appraisal, UCC searches, environmental Phase I if needed), drafts loan documents, and schedules closing. Funds typically wire the same day you sign or within 24 hours for larger transactions. Total elapsed time from first call to funding ranges from a few days for working capital or factoring to several weeks for SBA or commercial real estate deals.
Direct lenders offer one menu. If your deal doesn't fit their credit box, you're declined and must start over elsewhere. Brokers present multiple menus at once, so a "no" from one lender doesn't end your search. That parallel-path approach is the single largest contributor to faster speed-to-funding, especially for businesses with unique revenue models, limited collateral, or time-sensitive opportunities.
Brokers also absorb the application workload. Instead of filling out five different portals with redundant data entry, you hand us one set of documents and we reformat them to each lender's specifications. Instead of guessing which lender likes equipment deals or which prioritizes cash flow over credit score, you leverage our existing relationships and track record.
Finally, brokers get paid by the lender upon successful closing, so our fee never inflates your out-of-pocket cost. You gain access to wholesale lending networks without writing a check for our service.
Read more about Croftbrook Lending Group to understand our licensing, experience, and commitment to Sunnyvale's business community.
Our broker network extends across all Sunnyvale ZIP codes, 94085, 94086, 94087, 94088, 94089, and into Mountain View's North Bayshore district, Cupertino's Stevens Creek corridor, Los Altos' downtown village, the Alviso industrial waterfront, Los Altos Hills estates requiring jumbo commercial mortgages, Saratoga's retail village, Campbell's light-industrial zones, Palo Alto's University Avenue business row, East Palo Alto's emerging opportunity zones, and Milpitas' Great Mall logistics hub.
Whether your business sits two blocks from our Santa Clara office or twenty minutes south on 85, we broker funding with the same speed-to-funding focus. Check our full service areas map or call (408) 359-8343 to confirm coverage.
A contract manufacturer in Moffett Park wins a Department of Defense subcontract but needs to buy five-axis CNC machines before production starts. Equipment financing delivers the tools in weeks, and the government purchase order provides the cash-flow certainty lenders require.
A second-generation family restaurant on Murphy Avenue wants to open a second location in Campbell. An SBA 7(a) loan covers tenant improvements, kitchen equipment, and three months of working capital, with a ten-year amortization that keeps monthly payments manageable during the ramp.
A software consultancy invoices enterprise clients on net-60 terms but must pay offshore developers every two weeks. Invoice factoring bridges the gap, turning receivables into same-week cash so payroll never stalls.
A medical-device startup leases lab space on Kifer Road and needs a revolving line of credit to fund FDA submissions and prototype iterations between venture rounds. A business line of credit provides flexible access without diluting equity.
Each scenario hinges on speed-to-funding. The manufacturer can't wait three months for a bank committee. The restaurateur can't risk losing the lease. The consultancy can't miss payroll. The startup can't pause R&D. Croftbrook's broker model compresses those timelines by running multiple lender conversations in parallel.
Market context
Croftbrook Lending Group brokers business loans for Sunnyvale enterprises across every stage and sector.
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.
Serving the Sunnyvale area
We know which lenders fund which kinds of Sunnyvale businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
What owners say
Local, responsive, and honest about what would and wouldn't work for us.
Walked us through the whole process in plain English and kept us updated.
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.
Individual client experiences; results vary by business and program.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
