
Hartford, CT · Commercial loan broker
Glenwood Lending connects Hartford business owners to commercial financing through SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, and specialty programs.
The Hartford funding process: tell us the goal, we position your file with the right lenders, and you choose from the options with a local advisor. No upfront fees.
We broker business loans for established companies and startups across Hartford County. Manufacturers in the Parkville Industrial District, restaurants along Pratt Street, medical practices in West Hartford Center, distributors near Bradley International, retail shops in Glastonbury, contractors in Newington, and service businesses from Bloomfield to Rocky Hill all work with us when bank financing doesn't fit or when they need an advocate who knows the local market.
Hartford sits at the intersection of I-84 and I-91, making it a logistics and distribution hub. We understand the capital needs of warehouse operators, freight brokers, and cold-storage facilities that serve New England from this central corridor. We also work with the insurance-sector vendors, legal-support firms, and technology consultants clustered around the downtown business district and Constitution Plaza.
You don't need perfect credit or three years of tax returns to start a conversation. We've helped businesses turned down by their hometown bank, owners buying out partners, companies bridging a cash gap between contracts, and entrepreneurs purchasing their first piece of heavy equipment. If you're generating revenue and have a plan, we'll find a funding path.
Loan programs
remain the gold standard for growth capital. These government-backed loans reach $5 million, carry longer repayment terms than conventional bank loans, and allow lower down payments on real estate or business acquisitions.
More on SBA 7(a) Loanssolve cash-flow problems fast. When payroll hits before receivables arrive, when you need inventory for a seasonal push, or when an unexpected repair threatens operations, short-term working capital keeps the doors open.
More on Working Capital Loansturns trucks, machinery, kitchen gear, medical devices, and technology into manageable monthly payments. The equipment itself serves as collateral, which means approval hinges more on the asset's value and your revenue than on your credit score.
More on Equipment Financingfund the purchase or refinance of office buildings, retail storefronts, warehouses, and mixed-use properties. Hartford's real estate market offers opportunities, especially in neighborhoods seeing reinvestment, and owning your location builds equity while stabilizing occupancy costs.
More on Commercial Real Estate Loansprovide a revolving cushion. Draw what you need, repay it, and draw again.
More on Business Lines of Creditconverts unpaid B2B invoices into immediate cash. If your customers take 30, 60, or 90 days to pay, factoring advances you most of the invoice value within 24 hours.
More on Invoice FactoringWhy us
We're at 20 Church St in downtown Hartford, a five-minute walk from City Hall and the Old State House. We know the difference between a Church Street address and a Park Street location. We understand that a business near the XL Center faces different seasonality than one in the South Meadows retail corridor. We've walked the neighborhoods, talked with the Chamber, and financed companies that supply the hospitals, universities, and corporate campuses that anchor this region.
Being a broker means we're on your side of the table. Lenders pay us when a deal closes, so we succeed only when you get funded. We don't have loan committees or internal quotas. We shop your deal to banks, credit unions, alternative lenders, and specialty finance companies until we find a match. If one source says no, we pivot to another. If the first offer carries terms you don't like, we negotiate or find a competitor.
Hartford businesses operate in a competitive lending market. The major banks have regional underwriting centers in Boston or New York. Community banks and credit unions serve Connecticut but often stick to conservative boxes. Alternative lenders move fast but charge more. We translate all of it, explain the trade-offs, and help you choose the option that fits your growth plan and cash flow.
How it works
Call us at (860) 743-7281 or stop by 20 Church St. We'll ask about your business, your revenue, what you need the money for, and how soon you need it. This conversation takes 15 minutes and costs nothing.
We'll outline two or three realistic funding paths and explain what each requires. Some programs need tax returns and financial statements. Others rely on bank statements and invoices. We'll tell you up front what paperwork to gather.
We submit your package to the lenders or funding sources most likely to approve. We handle the follow-up, answer their questions, and keep you updated. If they need clarification or additional documents, we coordinate it.
You review offers. We explain the terms, the repayment schedule, any collateral requirements, and the total cost. You decide which offer to accept. No pressure, no jargon.
Funding closes. Money hits your account. You move forward with your plan.
The timeline varies. Invoice factoring can fund in a day. Working capital often closes within a week. SBA loans take longer, sometimes 45 to 90 days, because of the government guarantee process. We set realistic expectations and update you throughout.
Banks serve their shareholders. Lenders serve their investors. Brokers serve you. We don't profit unless you get funded, and we don't get repeat business unless the loan works. That alignment matters when you're comparing a five-year term against a three-year term, or a fixed rate against a variable rate, or a personal guarantee against a blanket lien.
You also gain access to programs and lenders you wouldn't find on your own. Many specialty finance companies don't advertise. Some SBA-preferred lenders accept applications only through brokers. Invoice factoring companies and equipment lessors work almost exclusively with intermediaries. One phone call to us opens doors that would take you weeks to discover and vet.
We strip the jargon. "Debt-service coverage ratio" becomes "do you earn enough to make the payments and still pay your bills?" "Subordinated debt" becomes "a second loan that sits behind the first one." "Recourse" becomes "if the business can't pay, you're personally on the hook." We explain what matters and skip what doesn't.
Our broker services extend across Hartford County. West Hartford business owners appreciate our quick drive-time from 20 Church St to the Bishops Corner or Elmwood corridors. East Hartford manufacturers near Rentschler Field and Pratt & Whitney rely on us for equipment financing and working capital. Wethersfield retailers, Bloomfield service companies, Newington contractors, Farmington medical practices, Windsor distribution centers, Glastonbury professional firms, Rocky Hill tech startups, and South Windsor agricultural businesses all access the same programs and the same plainspoken service. View our complete service area.
We also understand the seasonal rhythms of the Connecticut River Valley. Landscapers and construction trades need capital in March and April. Retailers ramp inventory in October. Tax and accounting firms see revenue spikes in spring. We time funding to match your cycle, not a lender's arbitrary calendar.
We're a licensed commercial business-loan broker, not a lender. That distinction matters. We don't hold loans on our books, so we don't have underwriting biases or portfolio concentration limits. We represent you, the borrower, and we get paid only when a deal funds. Our job is to find the capital that fits your business, explain the terms honestly, and make the process as simple as possible. Read more about our approach.
Our office at 20 Church St places us in the heart of Hartford's business district, surrounded by the companies we serve. We're a local resource, not a call center in another state. When you have a question, you call (860) 743-7281 and talk to someone who knows Hartford.
Market context
Manufacturers in the Parkville Industrial District, restaurants along Pratt Street, medical practices in West Hartford Center, distributors near Bradley International, retail shops in Glastonbury, contractors in Newington, and service businesses from Bloomfield to Rocky Hill all work with us when bank financing doesn't fit or when they need an advocate who knows the local market.
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.
What owners say
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.
Individual client experiences; results vary by business and program.
Serving the Hartford area

We know which lenders fund which kinds of Hartford businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Why Hartford owners trust Glenwood Lending
Talk to a local advisor and get matched to the right program, no obligation.