Frequently Asked Questions — Business Financing

Aberdeen Financial Group is a private equity-backed business financing company. We help businesses access capital through equipment leasing, working capital lines of credit, and real estate investor loans. We work primarily with businesses that have been declined by traditional banks or need financing that moves faster than conventional lending allows. We have funded hundreds of businesses and deployed over $60 million since 2004.

Banks use rigid, formula-based underwriting that declines a large percentage of small business loan applications — often for reasons unrelated to whether the business is actually creditworthy. Aberdeen is not a bank. We are private equity-backed, which gives us access to a nationwide lender network and financing structures that banks cannot offer. We evaluate each application on business merit and match it to the lender in our network best suited to fund it. Our approval rate is 90%.

90% of applicants we work with receive funding. We achieve this by doing the lender-matching work upfront — understanding your business, identifying the right product, and submitting your application to the lender most likely to approve it — rather than sending every application through a single approval process.

Since 2004 — more than 20 years. Our founder Ed DeJesus built Aberdeen on the principle that businesses deserve access to capital based on their merit, not solely on whether they fit a bank's checklist. That philosophy, and the lender network built over two decades, is what drives our approval rate.

All 50 states. We are particularly active in Florida, Texas, Georgia, New York, North Carolina, and California, but we have funded businesses in every state in the country.

We work with businesses across virtually every industry — construction, manufacturing, healthcare, food service, transportation, retail, real estate, professional services, and more. The core requirements are at least 12 months in business and consistent monthly revenue. We regularly work with businesses that have been declined by traditional banks.

We do not have a single minimum credit score requirement. Credit score is one factor among many — alongside monthly revenue, time in business, cash flow patterns, and the specific financing need. Many of our clients have been approved after bank declines driven primarily by credit score. Contact us with your situation and we will give you an honest assessment.

Yes. Bank declines are the most common starting point for our clients. Banks apply rigid criteria that exclude a large percentage of viable businesses. Our private equity backing and nationwide lender network give us access to programs specifically designed for businesses that fall outside conventional bank parameters.

Our core programs require at least 12 months of operating history and established revenue. If your business is newer than that, contact us — we will tell you directly what options may apply to your situation.

For most programs: three to six months of business bank statements, a government-issued ID, and basic business information. Larger facilities, acquisitions, and real estate loans may require tax returns, financial statements, or property documentation. We tell you exactly what is needed at the start of the process — no surprises.

We finance equipment across virtually every commercial category — construction machinery, manufacturing equipment, restaurant and commercial kitchen equipment, medical and dental equipment, transportation vehicles, technology systems, and more. If the equipment generates revenue for your business, we can likely structure financing around it.

Yes. Aberdeen finances both new and used equipment. Used equipment must be in working condition and have verifiable market value. We work with dealers, private sellers, and auction purchases.

We offer terms up to 84 months — longer than most bank equipment loan programs. Shorter terms are also available. The right term depends on the equipment's useful life, your monthly cash flow, and your preference at end of term — ownership, renewal, or return.

Depending on the program structure, your options typically include purchasing the equipment at a predetermined or fair market value, renewing the lease, or returning the equipment. We explain all end-of-term options clearly before you sign anything.

A revolving line of credit gives your business access to capital up to an approved limit. You draw what you need, pay interest only on what you've drawn, repay it, and draw again. Unlike a term loan where repayment begins immediately on a lump sum, a line of credit lets you use capital precisely when your business needs it. It is the most flexible working capital tool available for managing cash flow, covering operational expenses, or funding short-term opportunities.

Qualifying businesses can receive funding in as little as 24 to 72 hours. The timeline depends on the completeness of your application and your business's revenue profile. We give you a realistic timeline at the start of the process.

Yes — and this is one of the most impactful financing moves an over-leveraged business can make. If your business is carrying one or more MCA positions with daily or weekly repayment obligations, we can structure a working capital line of credit or term facility at a substantially lower cost that pays off the MCA balances. The difference in annual cash flow between carrying MCA debt and refinancing it into a line of credit can be significant. Contact us before the situation becomes unrecoverable — the more runway you have, the more options are available.

A term loan delivers a lump sum repaid on a fixed schedule. A line of credit gives you ongoing access to capital up to your approved limit, with interest only on what you draw. For recurring operational needs, a line of credit is typically more cost-effective. For a specific one-time purpose — an acquisition, a buildout, a large equipment purchase — a term loan may be the better structure. We help you identify which fits your situation.

We offer fix-and-flip loans, bridge loans, ground-up construction loans, and DSCR rental property loans. We finance single-family investment properties, small multifamily, and commercial projects across all 50 states.

A DSCR — Debt Service Coverage Ratio — loan qualifies based on the rental income the property generates rather than the borrower's personal income or tax returns. If the property's monthly rent covers the loan payment at the required ratio (typically 1.0x to 1.25x), the loan can qualify without W-2s or personal income documentation. This makes DSCR loans the preferred tool for self-employed investors, portfolio landlords, and investors with complex income structures.

Bridge loans and fix-and-flip loans can close in as little as 7 to 14 business days for straightforward transactions with complete documentation. Construction and DSCR loans typically take 2 to 4 weeks depending on property type and complexity. We are structured to move significantly faster than conventional bank lending.

Not necessarily. We evaluate first-time investors based on the quality of the deal, the renovation scope, and the exit timeline. Having an experienced contractor and a realistic after-repair value (ARV) estimate carries substantial weight. Experienced investors typically qualify for higher leverage and more favorable terms.

Yes, with documented income history. Short-term rental properties can qualify for DSCR financing when you can demonstrate at least 12 months of rental income through platform statements, tax records, or property management documentation.

Contact us by phone at (203) 225-9084 or by email at info@aberdeenfinancialgroup.com. A funding advisor will review your situation, explain which programs apply, and walk you through the application process. There is no cost to explore your options.

There is no application fee. We are compensated when a deal closes — which means our incentive is to get your financing approved, not to collect fees upfront.

Your funding advisor reviews your application, identifies the best lender match in our network, submits your application, and monitors it through to a decision. You receive updates at every step. Most clients receive an initial assessment within one business day of submitting their information.