The MARC Loan: Flexible Credit for Small Manufacturers
Fuel your growth, create jobs, and bring production back home with flexible SBA funding built for U.S. manufacturers.
Credit Banc helps you get approved for the SBA MARC loan program quickly so you can focus on production, not paperwork.
The MARC Loan: Flexible Credit for Small Manufacturers
Fuel your growth, create jobs, and bring production back home with flexible SBA funding built for U.S. manufacturers.
Credit Banc helps you get approved for the SBA MARC loan program quickly so you can focus on production, not paperwork.
Better Funding for Better Care
Grow your practice, upgrade equipment, and serve more patients with fast, flexible financing built exclusively for licensed medical professionals. Credit Banc gets you approved in days, not months, with terms that actually fit your practice.
What Is the MARC Loan Program?
For the first time ever, the SBA created a loan program exclusively for small U.S. manufacturers: the Manufacturer’s Access to Revolving Credit (MARC) Loan Program.
This new program is designed to do what traditional banks haven’t: give America’s makers access to fast, flexible working capital without the bureaucratic circus act.
Program Snapshot:
It’s built for small manufacturers (NAICS 31–33). That’s 98% of all manufacturers in the U.S.
It offers true flexibility. You can structure funding as either a revolving line of credit or a term loan — whichever fits your production cycle.
Funds can be used for just about any short-term working capital need. Think inventory purchases, raw materials, project costs, or new customer orders.
You can leverage existing assets. MARC lines can be backed by the available equity in your equipment or facility, freeing up liquidity for expansion.
It plays well with others. MARC can be combined with SBA 7(a), 504, or even conventional loans, giving you multiple funding layers for growth.
The goal? To expand access to credit, help manufacturers create jobs, reshore production, and rebuild America’s industrial backbone — one factory floor at a time.
You don't need another bank. You need a partner.
No two manufacturers run the same...and banks still don’t get that. That’s why we help you find financing that actually fits your business, not some outdated credit box. From buying materials and upgrading equipment to bridging gaps between contracts, we’ll match you with the right SBA program to keep your line moving.
What Is the MARC Loan Program?
For the first time ever, the SBA created a loan program exclusively for small U.S. manufacturers: the Manufacturer’s Access to Revolving Credit (MARC) Loan Program.
This new program is designed to do what traditional banks haven’t: give America’s makers access to fast, flexible working capital without the bureaucratic circus act.
Program Snapshot:
It’s built for small manufacturers (NAICS 31–33). That’s 98% of all manufacturers in the U.S.
It offers true flexibility. You can structure funding as either a revolving line of credit or a term loan — whichever fits your production cycle.
Funds can be used for just about any short-term working capital need. Think inventory purchases, raw materials, project costs, or new customer orders.
You can leverage existing assets. MARC lines can be backed by the available equity in your equipment or facility, freeing up liquidity for expansion.
It plays well with others. MARC can be combined with SBA 7(a), 504, or even conventional loans, giving you multiple funding layers for growth.
The goal? To expand access to credit, help manufacturers create jobs, reshore production, and rebuild America’s industrial backbone — one factory floor at a time.
You don't need another bank. You need a partner.
No two manufacturers run the same...and banks still don’t get that. That’s why we help you find financing that actually fits your business, not some outdated credit box. From buying materials and upgrading equipment to bridging gaps between contracts, we’ll match you with the right SBA program to keep your line moving.
Invoice Factoring
Tired of waiting on insurance reimbursements or slow-paying patients? Sell us your pending invoices and get the bulk of your money up front. When payments come in, you’ll get the rest (minus our fee).
Invoice Factoring
Tired of waiting on insurance reimbursements or slow-paying patients? Sell us your pending invoices and get the bulk of your money up front. When payments come in, you’ll get the rest (minus our fee).
Business Line of Credit
A flexible safety net for your practice. Draw funds when you need them (for payroll, new equipment, or covering insurance delays) and only pay interest on what you actually use.
Merchant Cash Advance
Need a quick injection of working capital? With an MCA, you get funds fast and repay through a small percentage of your daily or weekly patient payments. No fixed schedules.
Collateral Loan
Own your building or other commercial real estate? Use it to secure a lower-rate loan with higher approval odds. Because it’s backed by assets, you can unlock larger funding amounts while keeping your operating costs in check.
Equipment Financing
Upgrade your medical tools without tying up working capital. Finance new technology, lab gear, or office equipment with flexible terms, potential tax benefits, and quick approvals, so you can keep your practice modern.
How to Put MARC to Work for Your Business
Whether you’re fabricating, assembling, or scaling production, MARC loans adapt to your needs:
Buy raw materials to fulfill larger orders.
Cover payroll between contracts or projects.
Upgrade or repair equipment without draining reserves.
Expand production capacity to take on new clients.
Bridge cash-flow gaps when customers pay slow.
Basically, if it helps you keep machines running and orders shipping—MARC can cover it.
Whatever your challenge (or opportunity), Credit Banc makes sure your
production line never stalls while a bank drags its feet.
How to Put MARC to Work for Your Business
Whether you’re fabricating, assembling, or scaling production, MARC loans adapt to your needs:
Buy raw materials to fulfill larger orders.
Cover payroll between contracts or projects.
Upgrade or repair equipment without draining reserves.
Expand production capacity to take on new clients.
Bridge cash-flow gaps when customers pay slow.
Basically, if it helps you keep machines running and orders shipping—MARC can cover it.
What Makes Credit Banc Different
We’re not a bank. We’re your business partner with funding power. Here’s why small business owners choose us:
We’re not a bank. We’re your business partner with funding power.
Here’s why small business owners choose us:
Fast decisions.
Some approvals in 24 hours,
not 24 days.
Real people.
You'll have a dedicated Business Advisor
a phone call away.
Multiple lenders.
We shop dozens of programs to find
your best fit.
No collateral required.
Keep your assets where they belong;
in your business.
Flexible monthly payments.
Match your repayment to
your cash flow.
Tailored strategy.
We don't just fund you.
We help plan what comes next.
What Makes Credit Banc Different
We’re not a bank. We’re your business partner with funding power. Here’s why small business owners choose us:
We’re not a bank. We’re your business partner with funding power.
Here’s why small business owners choose us:
Fast decisions.
Some approvals in 24 hours,
not 24 days.
Real people.
You'll have a dedicated Business Advisor
a phone call away.
Multiple lenders.
We shop dozens of programs to find
your best fit.
No collateral required.
Keep your assets where they belong;
in your business.
Flexible monthly payments.
Match your repayment to
your cash flow.
Tailored strategy.
We don't just fund you.
We help plan what comes next.
Here's How it Works
1. Schedule a Free 15-Minute Call
Start by booking a quick call with a Credit Banc Advisor who specializes in manufacturing financing. We’ll review your goals, whether you’re expanding, upgrading equipment, or stabilizing cash flow, and outline what’s possible.
2. Share Your Info
Have your last 3 months of bank statements ready. For faster approval, you can also grant us secure access to your account’s transactional data.
3. Review Your Options
Your dedicated Advisor will walk you through tailored funding solutions. Together, you’ll choose the option that fits your cash flow, timeline, and goals.
4. Get Funded - Fast
Once approved, funds can hit your account within 24 hours. Your Advisor stays in touch to help with repayment, future funding, and anything else you need to keep growing.
Here's How it Works
1. Schedule a Free 15-Minute Call
Start by booking a quick call with a Credit Banc Advisor who specializes in medical practice financing. We’ll review your goals, whether you’re expanding, upgrading equipment, or stabilizing cash flow, and outline what’s possible.
2. Share Your Info
Have your last 3 months of bank statements ready. For faster approval, you can also grant us secure access to your account’s transactional data.
3. Review Your Options
Your dedicated Advisor will walk you through tailored funding solutions for licensed medical professionals. Together, you’ll choose the option that fits your practice’s cash flow, timeline, and goals.
4. Get Funded - Fast
Once approved, funds can hit your account within 24 hours. Your Advisor stays in touch to help with repayment, future funding, and anything else your practice needs to keep growing.
DISCOVER THE DIFFERENCE
Banks Play by Rules. We Play for Results.
Their Way
Our Way
Weeks of waiting, endless “under review” emails
Approvals (and funding) in as little as 24 hours
Perfect credit, piles of paperwork, and collateral
Flexible qualifications — we focus on potential, not red tape
Cold, complicated, and built for their checklist
Simple, human, and built around your business
You’re just an account number
You get a dedicated Business Advisor who knows your goals
One-size-fits-all loans
Multiple programs tailored to your industry and cash flow
Banker hours and voicemail loops
Direct access to real people who actually call you back
Bottom line: Banks lend by the book. We lend by the business.
TESTIMONIALS
What our clients say about us
I cannot say enough about how great the team is. Irv Cruz was a tremendous help securing the funding we needed. He truly takes a personal interest in the business and did an excellent job for me.
Jeff K
Great experience. Luigi and Matt take a new approach to examining the client's needs and help set them up with a long-term plan to get the business to optimal positions from a cash flow/lending standpoint. They truly have their clients' needs in mind!
Ryan P
Irv was a pleasure to work with. The process took a little longer than anticipated due to regulatory changes, but honestly, it went smoothly, and he was able to support me 100% through the whole process.
Leigh-Ann L
Michael Sylkatis and the Team helped our church get the tax credit we needed. They made the process simple and clear to follow. I cannot say enough about their level of professionalism, communication, and follow-up. I highly recommend.
Lupe S
They were easy to work with and really care about their clients. If you need to come to someone to get anything done for your business, come and see them first! They make you feel like you're family. Special thanks to Luigi, Michael and Barbara. They are great!!
Matthew M
Luigi, Matt, and their team have been incredible to work with! Extremely knowledgeable and very helpful with their resources to help grow my business. Highly recommend working with them! Thanks again!
James D
ABOUT US
Meet the Minds Behind Credit Banc
After years on Wall Street and in the trenches of entrepreneurship, Matt Meehan and Luigi Rosabianca kept seeing the same thing — great business owners getting shut down by banks that didn’t understand them.
So they built Credit Banc to change that.
Matt brings the big-picture funding strategy; Luigi brings the precision and planning. Together, they turned a broken lending system into one built on speed, common sense, and real support for small business owners.
Stay Connected!
Stay Connected!
Smart business owners don’t just chase funding. They chase knowledge.
From money moves to mindset shifts, we’ve got content that keeps you sharp, informed, and entertained.
The Credit Banc YouTube Channel
Real advice from real experts. Matt, Luigi, and the Credit Banc team share a variety of quick, no-nonsense tips on funding, strategy, and growth...basically, everything business owners need to scale smarter and stress less.
The Weekly Newsletter
Every Friday, we send the insights and updates smart business owners actually use: funding trends, tax moves, and growth strategies you can act on now. It’s the one email that could change how you run your business.
The Liquid Lunch Project Podcast
Part business school, part bar stool. Matt and Luigi sit down with entrepreneurs, investors, business owners, and industry pros to talk money, mistakes, and momentum, with plenty of laughs (and maybe a drink or two).
The Credit Banc YouTube Channel
Real advice from real experts. Matt, Luigi, and the Credit Banc team share a variety of quick, no-nonsense tips on funding, strategy, and growth...basically, everything business owners need to scale smarter and stress less.
The Weekly Newsletter
Every Friday, we send the insights and updates smart business owners actually use: funding trends, tax moves, and growth strategies you can act on now. It’s the one email that could change how you run your business.
The Liquid Lunch Project Podcast
Part business school, part bar stool. Matt and Luigi sit down with entrepreneurs, investors, business owners, and industry pros to talk money, mistakes, and momentum, with plenty of laughs (and maybe a drink or two).
FAQ
Frequently Asked Questions
How is Credit Banc different from a traditional bank?
Banks take weeks, require mountains of paperwork, and often say no if you don’t fit their checklist. Credit Banc focuses on your potential, not just your credit score. We deliver faster approvals, simpler applications, and dedicated experts who actually call you back.
Will checking my funding options hurt my credit?
Nope. Seeing what you qualify for with Credit Banc won’t affect your credit score. We use a soft pull to review your profile and find the best options for your business.
What types of funding programs does Credit Banc offer?
We offer everything from working capital loans and lines of credit to equipment financing, SBA loans, merchant cash advances, and debt consolidation. Whatever your goal, growth, recovery, or expansion, there’s a program that fits.
How do repayment terms work?
Repayments vary by program, but we offer flexible monthly payment options with up to 10-year terms. Your Advisor will walk you through what makes the most sense for your business.
Do I need collateral to qualify?
No. Most Credit Banc programs are unsecured, meaning you don’t have to risk your assets to get approved.
Can I get funding for my business if I have bad credit?
Yes. Credit Banc works with multiple lenders who focus on your business performance, not just your credit score. Even if your FICO isn’t perfect, we can often secure flexible options like revenue-based funding, lines of credit, or short-term working capital. We also provide access to our FREE Business Credit Builder Course if your score needs a bump.
