Grocery Store
$285,000
Conventional Cash-Out Refinance
5-Year Term / 25-Year Amortization
8.25% Interest Rate
EQUAL ACCESS TO INDUSTRY-LEADING FINANCING
- Business lending reinvented
- Innovative tech-powered platform
- Full spectrum of capital solutions
Featured In
Programs
Transparent criteria, modern processing, and support at each step.
FAST CAPITAL
Access expedited and automated small business financing with dedicated live support. One streamlined application enables eligible borrowers to compare multiple financing options—and funds can be used for most business purposes... or to consolidate debt.
We can even consider borrowers turned down by other lenders due to low credit or other financing barriers!
PREQUALIFY
TERM LOAN
If you're interested in an affordable business loan that is NOT an MCA or SBA financing, is fixed-rate, long-term, low documentation, and closes quickly, then you've come to the right place.
Loans are fixed for 10 years and can be used for working capital, to consolidate debt or merchant cash advances (MCAs), buy equipment or inventory, or for expansion and other business needs.
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SBA / BANK
Business owners can access bank loans and preferred SBA financing for a variety of specialized needs such as to purchase or start a business, construct commercial real estate, for leasehold improvements, working capital, and more.
Our experience with complex financing structures allows us to deliver creative and flexible solutions when other lenders can't.
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CREDIT LINE
Are you seeking flexible access to capital? A revolving business credit line operates like a credit card, usually offering a higher credit limit and lower interest rate, and you pay interest and fees solely on the funds you utilize.
Pay off your balance at any time without incurring penalties and repeatedly draw funds for expansion, emergencies, or any unforeseen business expenses.
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REAL ESTATE
Business owners and property investors can access small balance real estate mortgages to purchase, refinance, or pull unrestricted cash out of most commercial property types including raw land and investor residential.
Plus, our story-based, application-only, and stated-income underwriting options enable us to consider borrowers turned down by other lenders.
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EQUIPMENT
We are one of the nation's top equipment lenders and tech-powered loan marketplaces. Equipment financing is available for most industries and credit profiles, and we're able to issue approvals in hours, and fund same-day.
Most equipment types are eligible, and you can count on the most competitive terms and a tailored equipment financing structure that works for you.
PREQUALIFYClosings
A look at some of our recently funded deals.
Automotive Dealership
$2,000,000
SBA 7(a) Business Purchase Loan
25-Year Term / Amortization
10.25% Interest Rate
Investor Single Family
$200,000
Conventional Cash-Out Refinance
5-Year Term / 25-Year Amortization
8.5% Interest Rate
Healthcare Company
$275,000
Working Capital Term Loan
7-Year Term & Amortization
16.99% Fixed Interest Rate
Vacation Rentals
$150,000
SBA 7(a) Construction Loan
14-Year Term / No Prepay Penalty
Prime + 2.25%
Manufacturing Facility
$500,000
Conventional Cash-Out Refinance
5-Year Term / 25-Year Amortization
8.5% Interest Rate
Delivery Contractor
$398,798
Equipment Financing
72-Month Term / 0% Down Payment
9.91% Financing Rate
Juice Bar Franchise
$300,000
SBA 7(a) Startup Loan
10-Year Term / No Prepay Penalty
Prime + 3% Interest Rate
Clients we serve
Emerging and expanding businesses across industries.
RetailHealthcareLogisticsManufacturingHospitalityConstructionAutoFood & BeverageeCommerceReal Estate InvestorsProfessional Services
Testimonials
What business owners and partners say about Onryl.
“$2,000,000 Business Purchase Loan. Our Automotive Dealership secured an SBA 7(a) loan with a 25-year term.”
“$500,000 Conventional Refinance. We refinanced 20 acres of rural farm land at a competitive rate.”
“$300,000 Startup Loan. Our Juice Bar Franchise got an SBA 7(a) startup loan with a 10-year term and no prepay penalty.”
FAQ
Answers to common questions. If you have a question that is not found here, please do not hesitate to contact us.
Is Onryl a lender or a broker?
Onryl is a division of Celtic Bank, a national financial institution. As such, Onryl is an approved direct commercial real estate lender, business lender, SBA lender, and equipment financing lender. Onryl also administers a tech-based intermediary loan marketplace to facilitate loans Onryl cannot fund in-house.
What documents are required to close a loan?
The documentation required will vary. Equipment Financing less than $150K often requires only a 1-page application. SBA, Business, and Real Estate Financing may require additional documentation such as a personal financial statement, bank statements, financials and/or tax returns.
How do I signup as a Referral Partner?
If you are a lender, mortgage/loan broker, ISO, CPA, or finance professional looking to leverage our loan programs, you can register to be reviewed for approval as a Referral Partner. Once approved, you will be eligible to receive competitive referral fees on funded loans.
I'm a borrower, broker or lender—why should I work with Onryl?
If you are a borrower, you know the process can be difficult. Onryl is an experienced lender with a focus on customer service, transparency, and ethical practices. If you are a broker or lender, you know loan fallout is a costly issue. We utilize the latest technology to offer partners the opportunity to convert leads into significant revenue.
Does Onryl charge upfront fees?
No. Onryl charges no upfront or application fees.
Does Onryl charge loan points and/or fees at closing?
Onryl charges standard origination and closing fees.
How long does it take to close a loan with Onryl?
Closing time depends on the financing type, but we prioritize speed throughout the loan process. Equipment financing can fund in as little as a few hours.
Does Onryl offer loan programs outside of the United States?
We offer loan programs in all 50 states plus Washington, DC.
What collateral will Onryl lend against?
Only commercial real estate, 1 to 4 unit non-owner occupied residential properties held for investment purposes, businesses, and hard business assets (i.e., equipment, machinery, etc.).