Quick Answer: Foothill Lenders brokers business loans in Provo for restaurants on Center Street, tech startups near Startup Building, manufacturers in the Provo Bay corridor, and retail shops throughout Utah County.
What we broker
Fast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreFast, local guidance and lender matching for Provo businesses.
Learn moreYou're running a catering kitchen in Orem or a software consultancy near BYU campus. The last thing you need is three bank appointments that lead nowhere. A broker does the legwork. We know which lenders say yes to food service, which ones finance tech without three years of profit, and which programs cover the commercial condo you want on University Avenue. You tell us the goal once. We bring back real options. That's the relationship: your time matters, and we respect it.
Provo sits at the heart of Utah County, bordered by Orem to the north, Springville to the south, and growing fast into Vineyard and Lindon. Businesses here range from legacy manufacturers near the old Geneva Steel site to co-working spaces full of app developers. Loan needs vary just as widely. A fabrication shop buying a CNC mill has different cash flow than a dental practice opening a second location in Pleasant Grove. We've placed financing across all those scenarios because we listen first, then match.
SBA loans
Program Snapshot: SBA 7(a) loans offer long repayment terms and broad use cases, from buying an existing bagel shop on 900 East to refinancing high-rate debt or funding a major remodel. The Small Business Administration guarantees a portion of the loan, which helps you qualify when conventional banks hesitate. We broker the application through SBA-preferred lenders who know Utah County.
These loans work well when you need serious capital and want predictable payments stretched over ten or twenty-five years. Startups can qualify if the owners bring industry experience and some equity. Existing businesses use 7(a) to acquire competitors, add locations, or buy the building they've been leasing near Provo Towne Centre. We gather your financials, write the narrative, and submit to lenders who've approved our Provo clients before.
Approval hinges on cash flow, owner credit, collateral, and a solid business plan. We help you tell your story so underwriters see the real picture, not just a spreadsheet. Learn more about SBA loans in Provo and the full 7(a) process.
Working capital
Program Snapshot: Working capital loans deliver fast cash for inventory orders, payroll gaps, marketing campaigns, or seasonal swings. These are shorter-term facilities, often unsecured or lightly secured, designed to smooth out the lumps every business hits. Approval can happen in days, funding in a week, so you don't miss the purchase order or the trade-show deposit.
Provo's retail corridor along University Parkway sees holiday spikes. Landscapers in Mapleton and Spanish Fork need capital in March to buy equipment and hire crews before the spring rush. A working capital loan bridges that gap. You're not mortgaging the future; you're covering today's opportunity with tomorrow's revenue.
We broker these through lenders who underwrite on bank statements and receivables, not just tax returns. If your profit-and-loss statement looks thin because you reinvest every dollar, we find lenders who get it. Explore working capital options and see if your situation fits.
Equipment financing
Program Snapshot: Equipment financing lets you buy or lease machinery, vehicles, computers, or medical devices while spreading payments across the asset's useful life. The equipment itself often serves as collateral, so you preserve other assets and credit lines. Rates and terms depend on the equipment type and your business strength.
A bakery in Springville needs a new deck oven. A plumber in Lindon wants three more vans. A dental office near Canyon Road is adding a CBCT scanner. Equipment financing makes those purchases possible without draining your operating account. You keep cash on hand for payroll and supplies while the new asset starts generating revenue or saving labor costs.
We work with lenders who finance everything from forklifts to server racks. Some will do startups if the equipment is essential and resellable. Others want two years of history. We know who's who and save you the trial and error. See how equipment financing works and what you'll need.
Real estate
Program Snapshot: Commercial real estate loans fund the purchase or refinance of office buildings, retail storefronts, warehouses, and mixed-use properties. Terms typically run five to twenty-five years, and the property secures the loan. Owning your location locks in your occupancy cost and builds equity instead of paying rent into someone else's pocket.
Provo's commercial market stretches from the older brick buildings downtown to new construction in Vineyard's master-planned developments. Buying a 4,000-square-foot shop on Freedom Boulevard or a multi-tenant plaza in Pleasant Grove requires a different loan structure than residential mortgages. Lenders want rent rolls, environmental reports, appraisals, and a clear picture of your business's ability to cover the note.
We broker these deals through banks and credit unions active in Utah County. They know local property values and zoning. We coordinate the paperwork so you can focus on negotiating the purchase. Read the full guide to commercial real estate loans.
Program Snapshot: A business line of credit gives you a pre-approved spending limit you can draw against, repay, and draw again. You pay interest only on what you use. It's a safety net for uneven cash flow, surprise repairs, or quick opportunities that don't wait for a term-loan approval process.
Lines of credit suit businesses with fluctuating revenue. A software consultancy might land a six-month contract but wait sixty days for the first invoice payment. A line covers payroll in the gap. A contractor in Orem can buy materials today and repay when the client pays the draw. You're not locked into fixed monthly payments on money you're not using.
We connect you to lenders offering revolving lines from a few thousand dollars into six figures, depending on your revenue and credit profile. Some require an annual review; others stay open indefinitely. Find out if a business line of credit fits your situation.
Invoice factoring
Program Snapshot: Invoice factoring turns your outstanding invoices into immediate cash. You sell the receivable to a factoring company at a discount, they give you most of the money up front, and they collect from your customer. It's not a loan, so it doesn't add debt to your balance sheet, and approval hinges on your customers' creditworthiness, not yours.
This works especially well for B2B companies and contractors who invoice on net-30 or net-60 terms. A staffing agency placing workers at Provo tech firms might carry $80,000 in receivables and need cash Friday to make payroll. Factoring solves that. A printing company with a big order from a Utah County school district can factor the invoice and buy paper stock today.
We broker factoring through providers who specialize in different industries and invoice sizes. Rates vary with volume and customer quality. Learn how invoice factoring works and what it costs.
Who we serve
Foothill Lenders is located at 412 W Rivers Edge Dr, Provo, UT 84604, minutes from I-15 and University Avenue. We serve business owners throughout Utah County: Orem, Springville, Vineyard, Lindon, Mapleton, Spanish Fork, and Pleasant Grove. Whether you're ten minutes away or thirty, we'll meet at your location or ours, whichever saves you time.
Provo's business mix is unusual. You have the Shops at Riverwoods and University Mall anchoring retail, the Provo Towne Centre drawing regional traffic, and the Startup Building and Mercato bringing hundreds of tech jobs downtown. Meanwhile, industrial parks near the airport and along I-15 house manufacturers, distributors, and contractors who've been here for decades. We've brokered loans across that entire spectrum, so we understand the cash cycles, the seasonal patterns, and the growth challenges each sector faces.
We don't work bankers' hours. Call (801) 880-5047 and you'll talk to someone who knows the difference between a bridge loan and a term loan, and who's placed financing for businesses like yours in Provo. Visit our Service Areas page to see the full list of cities we cover, or read more about our approach on the About page.
At a glance
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
