Products
Your Loan, Your Terms, Your Future.
We believe financing should work for you—not the other way around.
Whether you're securing a home or growing your business, we offer tailored loan solutions designed to fit your needs. With flexible terms, competitive rates, and expert guidance, we help you take control of your financial future with confidence.
BUSINESS LOANS
Business Line of Credit
A flexible revolving credit line to manage cash flow, cover expenses, or seize growth opportunities. Offers competitive rates and high limits.
Best For:
Small business owners, startups, e-commerce businesses, service-based businesses, and seasonal businesses needing working capital.
Business Term Loan
Fixed-term financing for various business needs, such as expansion, equipment purchases, or refinancing.
Best For:
Established businesses, retail stores, manufacturers, and companies needing long-term capital investment.
Cannabis
Tailored financing for cannabis businesses, covering real estate, retail operations, cultivation, and processing.
Best For:
Licensed cannabis dispensaries, growers, distributors, and manufacturers.
Church and Community
Funding solutions for religious and nonprofit organizations to renovate, expand, or construct new facilities.
Best For:
Churches, religious organizations, nonprofit groups, and community centers.
Equipment
Financing options to lease or purchase machinery and equipment necessary for business operations.
Best For:
Construction companies, medical practices, trucking businesses, restaurants, and manufacturing firms.
Franchise and Startup Funding
Capital designed to help launch or expand franchises and startups, covering initial investments and operational costs.
Best For:
Entrepreneurs opening a franchise, new business owners, and franchise operators looking to expand.
Merchant Cash Advance (MCA)
A fast capital option based on future credit card sales, ideal for businesses needing quick funds.
Best For:
Restaurants, retail stores, salons, and any business with high credit card transactions.
SBA
SBA loan is a type of business loan that’s partially guaranteed by the U.S. Small Business Administration (SBA), making it easier for business owners to get funding. These loans are designed to help small businesses secure financing when they might not be able to get a loan from a traditional lender like a bank.
Best For:
Small business owners, startups, and businesses looking for long-term, low-interest financing.
COMMERCIAL REAL ESTATE LOANS
Bridge
Short-term financing to cover gaps between transactions, allowing for property purchases or renovations before securing long-term funding.
Best For:
Real estate investors, homebuilders, and developers.
Commercial
Financing for purchasing, renovating, or refinancing commercial properties such as offices, retail spaces, and industrial buildings.
Best For:
Business owners needing office space, property investors, and retail operators.
Construction
Funding for new construction projects or major renovations with flexible draw schedules.
Best For:
Builders, developers, and businesses constructing new facilities.
DSCR
DSCR (Debt Service Coverage Ratio) loan is perfect for both new and seasoned investors. Eclipse offers flexible purchase and refinance options that accommodate all credit profiles, with competitive rates ranging from 5-12%.
This program is designed to provide accessible financing while maximizing your investment opportunities.
Best For:
Real estate investors, landlords, and rental property owners.
Farm
Financing tailored for agricultural purposes, including purchasing, expanding, or improving farm properties.
Best For:
Farmers, ranchers, and agribusiness operators.
Fix and Flip
Fix and Flip loans are tailored for investors with a FICO score of 600 or higher. We provide up to 100% financing for both purchase and renovation costs, with competitive rates ranging from 6-12%. Plus, there are no prepayment penalties, giving you the flexibility to maximize your real estate investment returns.
Best For:
House flippers, real estate investors, and renovation specialists.
ITIN/Foreign Loans
Loan options for non-U.S. residents or individuals without a Social Security number to invest in property.
Best For:
Foreign investors, international buyers, and immigrants looking to purchase U.S. property.
Portfolio/Blanket
Consolidate multiple properties under a single loan, making management and payments easier for investors.
Best For:
Real estate investors with multiple properties, landlords, and commercial property owners.
Transactional Funding
Short-term financing for real estate transactions, especially for investors doing quick resales.
Best For:
Wholesalers, real estate flippers, and short-term investors.
Vacant Lot
Financing options for purchasing undeveloped land for investment, development, or personal use.
Best For:
Developers, investors, and individuals purchasing land for future use.
RESIDENTIAL LOANS
Conventional
Ideal for borrowers with good credit, offering competitive rates and flexible terms.
DFA
DFA (Down Payment & Financial Assistance) is additional support for homebuyers needing extra financial aid.
DPA
DPA (Down Payment & Assistance) is program designed to help eligible buyers cover down payment and closing costs.
FHA
Great for first-time homebuyers and those with lower credit scores, featuring low down payment options.
HELOC
Tap into your home's equity for renovations, debt consolidation, or other financial needs.
Non QM
Flexible financing for self-employed individuals and those with unique income situations.
VA
Exclusive to veterans and active-duty service members, offering 0 down payment and no PMI.
© 2025 Eclipse Funding, LLC. All Rights Reserved. Eclipse Funding, LLC is an equal housing lender. All loans are subject to credit approval and underwriting guidelines. Terms and conditions apply. Eclipse Funding, LLC is an equal housing lender and is powered by Capital Federal Credit Union. We offer government-backed loan programs, including FHA, VA, and USDA loans, in addition to conventional and commercial financing options. All loans are subject to credit approval and underwriting guidelines. Eclipse Funding, LLC is a trusted partner for government loan programs but is not a government agency. This website is for informational purposes only and does not constitute a commitment to lend. Interest rates, loan programs, and terms are subject to change without notice. Please consult with a lending specialist for details on available loan options.