Savannah, GA · Commercial loan broker
Looking for business loans in Savannah? Aldergate Loans is a licensed commercial loan broker serving Savannah and the surrounding communities.
Why work with a broker in Savannah: one application reaches many lenders, so you compare options instead of chasing banks one at a time. No cost to apply.
Aldergate Loans works with small and mid-sized businesses across Savannah, Pooler, Port Wentworth, Georgetown, Thunderbolt, Garden City, Whitemarsh Island, Wilmington Island, Isle of Hope, and Skidaway Island. Whether you operate a seafood distributor near the Port of Savannah, a boutique hotel on River Street, a medical practice in the Southside, or a manufacturing shop in the industrial corridor off Dean Forest Road, we broker funding that fits your cash flow and growth timeline.
We specialize in simplifying the paperwork side of commercial lending. Our clients range from restaurants preparing for peak tourist season to freight logistics companies expanding their fleets, HVAC contractors replacing aging trucks, and retail shops opening second locations in the Historic District. If you need capital and you're tired of chasing unclear requirements, we translate lender expectations into a checklist you can actually complete.
Loan programs
An SBA 7(a) loan offers long repayment terms and can cover working capital, equipment, real estate acquisition, or refinancing existing debt. A Savannah coffee roaster used an SBA 7(a) to buy out a retiring partner and upgrade their production line on West Broad Street.
Learn moreWorking capital loans provide cash to cover payroll, inventory purchases, marketing campaigns, or seasonal dips in revenue. A landscape company in Pooler needed $85,000 to stock up on plants and mulch before spring installation season.
Learn moreEquipment financing lets you acquire machinery, vehicles, kitchen systems, or technology without draining your operating account. A dental practice on Abercorn Street financed a cone-beam CT scanner; the equipment itself served as collateral, which streamlined approval.
Learn moreCommercial real estate loans fund the purchase or refinance of office buildings, warehouses, retail storefronts, or mixed-use properties. A logistics firm in Garden City refinanced a 12,000-square-foot warehouse to lower their monthly payment and free up cash for new forklifts.
Learn moreA business line of credit in Savannah gives you revolving access to funds, so you draw only what you need and pay interest on the outstanding balance. A catering company on Whitemarsh Island uses a $50,000 line to purchase ingredients two weeks before large events, then repays the draw after client invoices clear.
Learn moreInvoice factoring converts unpaid B2B or B2G invoices into immediate cash, useful when you cannot wait 30 or 60 days for payment. A staffing agency in Thunderbolt factors invoices from contracts with Chatham County and private healthcare facilities, maintaining payroll every week without delay.
Learn moreAldergate Loans operates from 512-514 Martin Luther King Jr Blvd, Savannah, GA 31401, so you can meet us in person, drop off documents, or walk through your application face-to-face. National platforms rarely understand that a shrimp boat captain's income looks different in March than in August, or that a Bay Street retailer sees revenue surge during St. Patrick's Day week. We know the rhythms of the Port of Savannah, the Savannah-Hilton Head International Airport cargo market, the hospitality calendar, and the manufacturing base along the I-16 corridor.
Because we are brokers rather than lenders, we maintain relationships with dozens of banks, credit unions, alternative lenders, and SBA-preferred institutions. When one lender wants three years of financials and another accepts two, we route your file to the best match. When a community bank in Georgia offers better terms than a Wall Street fund, you hear about it. That choice matters, especially when your collateral is a historic building downtown or a fleet of refrigerated trucks.
Our documentation-made-simple approach means every program page lists exactly which records you need, in which format, and why. No hidden surprises. No requests for paperwork you threw away three years ago. If a lender asks for something unusual, we explain the reason and help you substitute a comparable document when possible.
How it works
1. Initial conversation. Call (912) 445-8262 or visit our office on Martin Luther King Jr Blvd. We discuss your funding goal, current revenue, time in business, and any collateral you can pledge. This call typically lasts fifteen to twenty minutes.
2. Program selection. We recommend one or two programs that fit your situation and provide a documentation checklist. You will know up front whether you need tax returns, bank statements, a business plan, equipment quotes, or lease agreements.
3. Document assembly. Gather the items on the checklist. We review each piece for completeness, signature dates, readable scans, matching legal names, and request corrections before submission. Most clients finish this stage in three to seven days.
4. Lender matching and submission. We submit your package to the lenders most likely to approve your profile and terms. You receive status updates as underwriters request additional details or schedule property appraisals.
5. Closing and funding. Once approved, you review the loan agreement, sign closing documents, and receive funds by wire or check. Timelines range from a few days for working capital to several weeks for SBA or real estate transactions.
Throughout the process, you work with the same broker who answered your first call. No ticket system, no transfer to a different department every week.
Savannah's economy mixes deep-water port logistics, tourism and hospitality, healthcare, education, manufacturing, and a growing tech sector. Aldergate Loans has brokered funding for tugboat service providers at the Georgia Ports Authority terminals, bed-and-breakfasts in the Victorian District, urgent-care clinics in Pooler, automotive repair shops on Wheaton Street, and craft breweries in the Starland District. We understand that a riverside event venue needs different terms than a machine shop, and we structure each deal accordingly.
The city's historic preservation rules, flood-zone maps, and commercial zoning overlays all influence how lenders evaluate collateral. A Church Street building may require additional environmental review, while a property on Skidaway Island might need windstorm coverage that affects loan-to-value calculations. We flag these details early so appraisals and insurance quotes arrive on time.
Every funding program demands paperwork, but confusion is optional. Aldergate Loans hands you a checklist the day you choose a loan type. Each item includes a plain-English explanation: why the lender needs it, which months or years to cover, and whether a digital copy works. If your bookkeeper uses QuickBooks and the lender wants Excel, we convert the format. If your tax return is missing Schedule C page two, we catch it before submission.
We also coach you through narrative documents. A use-of-funds letter does not require legal jargon; three paragraphs explaining what you will buy, when, and how it increases revenue will suffice. A simple business plan for an SBA loan includes market overview, competitor analysis, and financial projections, but we provide a template and review your draft before it goes to underwriting.
This clarity saves time and reduces the back-and-forth that stalls so many applications. Lenders appreciate complete files, and you avoid the frustration of last-minute requests two days before closing.
Our office sits at 512-514 Martin Luther King Jr Blvd, Savannah, GA 31401, a short drive from the Historic District, midtown medical corridor, and Southside commercial hub. Parking is available on-site, and we schedule appointments early morning or late afternoon to fit your business hours. Call (912) 445-8262 to book a consultation or ask preliminary questions about any small business loans in Savannah that match your growth plan.
We also serve clients in Thunderbolt, Garden City, Whitemarsh Island, Isle of Hope, Port Wentworth, Wilmington Island, Pooler, Georgetown, and Skidaway Island. If travel is difficult, we conduct initial meetings by phone and arrange document drop-off or pickup as needed.
Visit our Savannah city hub for neighborhood-specific insights, or browse our service areas page to confirm we cover your location. Read more about Aldergate Loans and our broker model, and review individual program pages for detailed documentation checklists.
Serving the Savannah area
We know which lenders fund which kinds of Savannah businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
What owners say
Straight answers and no runaround. We finally understood our options.
They packaged our file properly and took it to the right people the first time.
Local, responsive, and honest about what would and wouldn't work for us.
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.
Market context
Whether you operate a seafood distributor near the Port of Savannah, a boutique hotel on River Street, a medical practice in the Southside, or a manufacturing shop in the industrial corridor off Dean Forest Road, we broker funding that fits your cash flow and growth timeline.
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.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
