The whole market, on one menu
Sixteen commercial financing products, from $100K into the hundreds of millions — one relationship instead of sixteen separate lender hunts.
Lucaria arranges commercial financing only. Loans are made to businesses, LLCs, trusts, and other legal entities for business or investment purposes — never for personal, family, or household use.
Working capital, credit lines, equipment, and corporate facilities — from Main Street to middle market.
Cash Flow Loans
Underwritten on revenue
- Amount
- $100K – $10M
- Speed
- as fast as 1 week
- Collateral
- cash flow / UCC-1
Revolving Lines of Credit
Draw as you need
- Amount
- $250K – $25M
- Speed
- days to a few weeks
- Collateral
- revenue-sized / UCC-1
MCA Replacement Loans
Escape the daily debits
- Amount
- $50K+
- Speed
- often within days
- Collateral
- cash flow / UCC-1
Equipment Financing
The gear secures it
- Amount
- $100K – $20M
- Speed
- approvals within days
- Collateral
- the equipment itself
Corporate Asset-Based Lending
Borrow against the balance sheet
- Amount
- $2M – $50M+
- Speed
- 4–8 weeks to close
- Collateral
- A/R, inventory, M&E, real estate
Corporate Cash-Flow Lending
Leverage on EBITDA
- Amount
- $10M – $60M
- Speed
- 8–12 weeks, mandate to fund
- Collateral
- enterprise cash flow
Commercial property, bridge situations, and entity-held investment residential.
Commercial Real Estate
Acquire, refinance, or build
- Amount
- $8M – $150M
- Speed
- weeks, structured to close
- Collateral
- the property (first lien)
Bridge Loans
Close the gap fast
- Amount
- $500K – $50M
- Speed
- days-to-close
- Collateral
- real estate / deal assets
Investment Property Loans
The property qualifies, not the W-2
- Amount
- $1M – $40M
- Speed
- 2–4 weeks to close
- Collateral
- the property (DSCR underwrite)
Commercial loans secured by entity-held aircraft, vessels, art, collections, residences, and land.
The asset stays where it belongs — in your hangar, on your wall, at your dock — while its equity goes to work.
Aviation Finance
From turboprops to corporate airliners
Entity-held · Business purpose- Amount
- $500K – $100M+
- Speed
- weeks — pre-buy runs in parallel
- Collateral
- the aircraft (entity-held)
Marine & Yacht Finance
From sportfishers to superyacht new-builds
Entity-held · Business purpose- Amount
- $1M – $250M+
- Speed
- weeks — the survey drives the timeline
- Collateral
- the vessel (entity-held)
Fine Art & Collectibles
The art stays on the wall
Entity-held · Business purpose- Amount
- $250K – $25M+
- Speed
- 2–6 weeks — faster when well-documented
- Collateral
- the collection (UCC-1, non-possessory)
Luxury Residential
Entity-held estates, financed properly
Entity-held · Business purpose- Amount
- $2M – $30M
- Speed
- 10–21 days on bridge
- Collateral
- the residence (entity-held)
Ranch & Recreational Land
Land that earns, financed to fit
Entity-held · Business purpose- Amount
- $1M – $50M
- Speed
- 48 hours – 2 weeks on bridge decisions
- Collateral
- the land (entity-held)
Facilities for GPs, funds, and holders of concentrated private positions.
Not sure which lane fits?
Tell us what you own, what you need, and when — we’ll map it to the right lane and tell you straight if borrowing isn’t the answer.
Financing something we haven’t listed? We likely still place it — ask.