The capital your business needs — when the bank says no, or can’t move fast enough.
Whether you're clearing out debt that's draining you or raising the capital to grow, Lucaria arranges commercial financing across every product — for companies of nearly every size. One relationship, the whole market.
No obligation. Tell us what you need — we’ll tell you the honest options.
Whichever wall you’ve hit, there’s a way through it.
Most owners need one of two things — to get out from under debt that’s choking cash flow, or to raise the good kind that builds something. Lucaria does both, and tells you which one you actually need.
Get out from under it
Stacked advances, daily debits, expensive short-term paper. We refinance the toxic stuff into one payment you can breathe under.
Build with the right capital
The money that funds growth instead of eating it — real estate, equipment, cash-flow term loans and revolving lines.
Every commercial product, one desk.
Not sure which one you need? Each is explained in plain terms — what it does, when it makes sense, and whether it’s right for you.
Working capital, credit lines, equipment, and corporate facilities — from Main Street to middle market.
Cash Flow Loans
Term loans underwritten on your revenue and cash flow rather than hard collateral.
See how it works$250K – $25MRevolving Lines of Credit
A revolving facility you draw on as needed and repay as cash comes in.
See how it works$50K+MCA Replacement Loans
Pay off one or more merchant cash advances at once and replace the daily debits with a single, longer, far cheaper monthly payment.
See how it works$100K – $20MEquipment Financing
Finance the machinery, vehicles, or technology your business runs on.
See how it works$2M – $50M+Corporate Asset-Based Lending
Revolving and term facilities sized by a borrowing base.
See how it works$10M – $60MCorporate Cash-Flow Lending
Senior and unitranche debt underwritten on sustained EBITDA.
See how it worksCommercial property, bridge situations, and entity-held investment residential.
Commercial Real Estate
Financing to acquire, refinance, build, or reposition income-producing commercial property.
See how it works$500K – $50MBridge Loans
Short-term capital to close a gap.
See how it works$1M – $40MInvestment Property Loans
Long-term financing for entity-held rental and investment residential.
See how it worksCommercial loans secured by entity-held aircraft, vessels, art, collections, residences, and land.
Aviation Finance
Commercial credit secured by entity-held aircraft.
See how it works$1M – $250M+Marine & Yacht Finance
Commercial credit secured by entity-held vessels.
See how it works$250K – $25M+Fine Art & Collectibles
Commercial credit secured by entity-held fine art, classic cars, and significant collections.
See how it works$2M – $30MLuxury Residential
Commercial financing for luxury residential property held in LLCs and trusts for business or investment purposes.
See how it works$1M – $50MRanch & Recreational Land
Financing for working ranches, timberland, and recreational land held in entities.
See how it worksFacilities for GPs, funds, and holders of concentrated private positions.
We’re the rare shop that will tell you not to borrow. The math sets you free — so we do the math in public.
Diagnose, plan, place, fund.
Diagnose
Tell us the shape of the need. We read your numbers and show you the honest range — no pressure, no runaround.
Plan
We pick the right product and lane — and if a deal needs a licensed originator, it routes to our licensed affiliate.
Place
We match you to the best terms you qualify for, across our network of commercial lenders.
Fund
Sign and fund. Bad debt retired or growth capital in the account — often within a week on working capital.
Know the terms before you sign anything.
Plain-English guides written by people who structure these deals for a living. Download them, keep them, share them with your accountant.
The True Cost of a Merchant Cash Advance
How factor rates hide a 60–150% APR, why stacking spirals, and the questions to ask before you sign.
Download the guideCommercial Real Estate Financing, Explained
Bank vs. bridge vs. private capital for $8M–$150M deals — how the money is priced and what closes fastest.
Download the guideThe Cash-Flow Breathing-Room Worksheet
Drop in your obligations and see, line by line, how much cash the right facility would put back each month.
Download the worksheetThree stacked advances, one monthly payment.
A profitable distributor was losing more than $18,000 a week to colliding daily debits. We refinanced all three positions into a single term loan — cutting the effective rate by more than half and returning real cash flow to the business.
A refinance the local bank couldn’t hold.
An owner had outgrown their community bank’s lending limit on a stabilized multifamily asset. We placed the permanent debt with an agency source and closed on the timeline the sale-leaseback required.
Closed the acquisition, then refinanced out.
A sponsor needed to move on a time-sensitive purchase before permanent financing could be arranged. We structured a bridge with a planned exit, funded in days, and lined up the take-out loan before the borrower signed.
“They ran the numbers in front of me and told me one of my advances wasn’t worth refinancing yet. I’ve never had a lender talk me out of borrowing before.”
Marcus D.Owner, regional logistics company
“The daily debits were killing us. Lucaria turned four payments into one I can actually plan around, and walked my bookkeeper through every line.”
Renée T.Founder, specialty manufacturer
- No credit pull to see your options
- No obligation, ever
- Broker model — we work for the borrower, not one lender
Outcomes and quotes above are illustrative examples of the kinds of deals we place.
Tell us what your business needs.
No credit pull to start, no obligation. We'll show you the honest options — and if borrowing isn't the answer, we'll say so.