Sometimes the smartest move isn’t chasing new opportunities. It’s restructuring what you already have.
Private loans for business growth aren’t just about expansion. They’re about positioning your company, financially and strategically, to capitalize when the right moment arrives. Whether that means refinancing burdensome debt or scaling into new markets, the right capital partner makes all the difference.
Here’s the reality: traditional banks move slowly. They obsess over paperwork. And they almost always want your personal assets on the line.
There’s a better path.
Why Business Owners Are Turning to Private Business Loans
The lending landscape has shifted dramatically. Business owners who once had no choice but to sit in a bank lobby for months are now discovering that private business loans offer speed, flexibility, and terms that actually make sense for growth-minded companies.
Private lenders evaluate deals differently. Instead of fixating on a single credit score, they look at the full picture, your business model, your projections, your track record, and your vision.
At Grammont Enterprises, we fund projects ranging from $1M to $100M and beyond. We work with business owners who are ready to move, not wait around for a committee to deliberate.
And here’s the part that changes everything: our loans are non-recourse. That means no personal guarantees. Your home, your savings, your personal assets stay protected while your business secures the capital it needs.
Refinancing: The Growth Strategy Nobody Talks About
Most people think of growth as opening new locations or launching new products. But sometimes, the biggest lever you can pull is refinancing existing debt.
Think about it. If you’re currently paying high interest on multiple loans, or worse, stuck with restrictive covenants from a traditional lender, you’re bleeding cash every month. Cash that could be reinvested into operations, talent, or expansion.
Alternative business financing through a private lender can consolidate those obligations into a single, manageable structure. Better terms. More breathing room. And a partner who actually understands your industry.
We’ve helped clients in real estate, healthcare, and construction restructure their debt and immediately free up capital for growth initiatives. It’s not glamorous, but it works.
Business Expansion Funding: When It’s Time to Scale
Of course, there comes a moment when refinancing isn’t enough. You see an acquisition target. A commercial development project opens up room to scale. Or your operations have simply outgrown your current footprint.
That’s when business expansion funding becomes critical.
Private loans give you the firepower to move decisively. While your competitors are still gathering documents for their bank applications, you’re already at the closing table.
Here’s what expansion funding can look like:
- Securing large-scale commercial real estate to consolidate operations or expand your service area
- Purchasing a competitor or complementary business
- Building out new facilities for healthcare, construction operations, or industrial use
- Investing in major equipment or infrastructure upgrades
The key is having a capital partner who can match your ambition, and your timeline.
The 90/10 Structure: Leverage That Makes Sense
One of the most powerful tools in private lending is the 90/10 funding structure. Here’s how it works:
We provide up to 90% of the capital. You bring 10% as your skin in the game.
This structure lets you preserve cash while still accessing significant funding. You’re not draining your reserves to pursue a major project. Instead, you’re leveraging private capital to multiply your impact.
It’s a model that works particularly well for:
- Large-scale commercial real estate and commercial development projects
- Healthcare facility expansions
- Construction and infrastructure projects
- Multi-phase business acquisitions
Want to see it in action? Check out how we structured a $1,000,000 business loan in Maryland using our 90/10 program.
Industries We Serve
Not every lender understands specialized industries. Banks often shy away from sectors they consider “complicated” or outside their comfort zone.
We lean in.
Grammont Enterprises has deep experience funding projects in:
- Commercial Development – Large-scale commercial real estate, mixed-use builds, and expansion-driven acquisitions tied to business operations
- Healthcare Services – Medical facilities, senior care, specialty clinics
- Construction – Ground-up development, infrastructure, renovation projects
- Infrastructure & Industrial – Logistics, utility-related projects, heavy equipment, and large facility upgrades
- Automotive & Transportation – Fleet expansion, facility upgrades, equipment financing
Our team knows how to evaluate deals in these spaces. We understand the revenue models, the regulatory environments, and the growth trajectories. That expertise translates into faster approvals and smarter deal structures.
What to Expect: Timeline and Process
Let’s be straightforward about timing.
Private lending moves faster than traditional banks, but “fast” doesn’t mean overnight. Here’s a realistic picture:
Approval: Our speed-to-approval is measured in days, not months. Once we have your information, we move quickly to evaluate the opportunity.
Funding: The full funding process typically takes around 60 days. That’s still dramatically faster than the six-month (or longer) timelines you’ll encounter at most banks.
Review: We take a holistic approach to underwriting. Yes, we’ll look at financials: but we’re equally interested in your projections, your experience, and the strength of your business model. A number on a credit report doesn’t tell the whole story.
Is Private Lending Right for Your Business?
Here’s a quick gut check.
Private loans for business growth make sense if:
- You need $1M or more in capital
- You want to protect your personal assets with non-recourse terms
- You’re in healthcare, construction, infrastructure, or another specialized industry
- You have a solid business model and clear vision: even if your financials aren’t “bank perfect”
- You value speed and flexibility over bureaucratic processes
If that sounds like you, it’s worth a conversation.
The Bottom Line
Growth doesn’t wait for perfect conditions. Markets shift. Opportunities disappear. The business owners who win are the ones who can move when the moment is right.
Private business loans give you that ability. Whether you’re refinancing to strengthen your balance sheet or pursuing aggressive expansion, the right capital structure is a competitive advantage.
At Grammont Enterprises, we’ve built our business around helping ambitious companies access the funding they need: without the endless hoops and personal risk that come with traditional lending.
Ready to explore what’s possible? Schedule a business assessment or browse our case studies to see how we’ve helped business owners just like you.