New Haven, CT · Commercial loan broker
Cedargrove Credit brokers commercial business loans for New Haven companies that need capital without the runaround.
Funding your New Haven business: one application, a file built for approval, and real options reviewed with someone local. No upfront fees to you.
We broker loans for established businesses and startups across New Haven County, from Chapel Street retailers to Brewery District manufacturers, Long Wharf distributors to State Street professional practices. If you operate in New Haven, West Haven, East Haven, Hamden, Woodbridge, North Haven, Branford, Ansonia, North Branford, Bethany, or Milford, we know your market.
Your bakery on Wooster Street needs a new deck oven before the summer wedding season. Your HVAC contractor in Hamden wants three more vans to cover commercial jobs along the I-91 corridor. Your medical office in Woodbridge is hiring two providers and needs bridge capital for payroll. We've seen it. We broker it.
Cedargrove Credit works with businesses grossing $100,000 to $10 million annually. We handle retailers, contractors, distributors, healthcare practices, light manufacturers, and service companies. If you have revenue and a plan, we'll find the right lender.
Loan programs
We place your file with lenders that specialize in the loan type your business actually needs, not the product a bank wants to sell that week. Each program moves at a different pace. We match your timeline to the lender's process.
fund acquisitions, expansions, equipment purchases, and working capital up to $5 million. Terms stretch to 25 years for real estate, 10 years for equipment.
More on SBA 7(a) Loansbridge the gap between payables and receivables. Seasonal businesses along the shoreline, contractors waiting on municipal contracts, and retailers stocking inventory before peak months use these.
More on Working Capital Loansputs trucks, machinery, computers, and medical devices on your floor without draining cash reserves. Lenders use the equipment as collateral, so approval focuses on the asset's value and your revenue, not just credit scores.
More on Equipment FinancingA gives you a revolving pool of capital, draw what you need, repay, draw again. Use it for payroll gaps, emergency repairs, or sudden opportunities.
More on Business Lines of CreditBuying your shop on Grand Avenue or your warehouse off Exit 6? Commercial real estate loans finance owner-occupied properties with 10- to 25-year amortizations.
More on Commercial Real Estate LoansInvoice factoring converts outstanding B2B invoices into immediate cash. Lenders advance 70 to 90 percent of the invoice value within days, then collect from your customer.
More on Invoice FactoringBrokers save time because we know which lenders will say yes before you apply. A Church Street retailer doesn't need to waste three weeks with a bank that won't touch seasonal businesses. A Hamden contractor shouldn't send tax returns to a lender that caps equipment loans at $100,000 when the job needs $300,000.
We pre-screen your file, submit it to two or three lenders simultaneously, and manage the back-and-forth. You get options, not a single take-it-or-leave-it offer.
New Haven sits at the intersection of I-95 and I-91. Your customers drive in from Fairfield, Hartford, and Middlesex counties. Your suppliers ship from New Jersey and Massachusetts. You need capital that moves as fast as your market. We broker loans with that rhythm in mind.
Cedargrove Credit operates from 129 Church St, New Haven, CT 06510. Call (475) 324-8340 to start a file. No email, no portal logins. Just a phone call and straight answers.
How it works
Step one: you call and describe what you need, dollar amount, purpose, timeline. We ask about revenue, time in business, and credit profile. The conversation takes 15 minutes.
Step two: we request basic documents. Recent bank statements, tax returns, a driver's license. If you're buying equipment or real estate, we need quotes or purchase agreements.
Step three: we submit your file to lenders who match your situation. Most clients hear preliminary answers within 48 hours.
Step four: you review term sheets, pick the best fit, and move to underwriting. We stay on the file until funding hits your account.
Total elapsed time depends on loan type. Working capital and equipment deals often close in one to three weeks. SBA loans and commercial real estate take four to ten weeks. Invoice factoring can fund in three business days.
Why us
New Haven's economy mixes Yale-adjacent service businesses, legacy manufacturers in Fair Haven and the Hill, shoreline hospitality, and a growing biotech cluster along the Route 34 corridor. Lenders outside Connecticut don't always understand why a restaurant near the Shubert needs six months of working capital to survive the summer slowdown, or why a machine shop needs $200,000 in equipment to bid on defense subcontracts.
We explain your business in terms lenders recognize. That clarity speeds approvals.
We also know the quirks. New Haven's commercial property market moves differently than Stamford or Danbury. Seasonal patterns along the shoreline don't match Hartford's calendar. When we broker your loan, we translate your context into the lender's underwriting language.
Visit our Service Areas page to confirm we cover your town. Read more About how Cedargrove Credit operates. Or explore small business loans in New Haven for a deeper dive into the local lending landscape.
Serving the New Haven area
We know which lenders fund which kinds of New Haven businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Market context
We broker loans for established businesses and startups across New Haven County, from Chapel Street retailers to Brewery District manufacturers, Long Wharf distributors to State Street professional practices.
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.
What owners say
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.
Straight answers and no runaround. We finally understood our options.
Individual client experiences; results vary by business and program.
Common questions
Why New Haven owners trust Cedargrove Credit
Talk to a local advisor and get matched to the right program, no obligation.
