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Fountainhead Commercial Capital Review: Pros, Cons, & How to Apply

Small business owners often struggle to find needed financing as traditional lenders like banks and credit unions remain hesitant to lend. Non-bank lenders Like Fountainhead Commercial Capital seek to provide an alternative funding source to help small businesses overcome that hurdle.

Fountainhead logo, Fountainhead review

Note: Fountainhead is currently not accepting applications. To apply for funding, click here.

The company primarily focused on helping entrepreneurs secure SBA loans, with a particular concentration on SBA 504 and SBA 7(a) loans. It also offered conventional loans, and all lending products were angled for owner-occupied commercial real estate.

This Fountainhead review explores how it worked, including the benefits, drawbacks, and application process. Specifically, we’ll answer these questions and more:

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    What is Fountainhead Commercial Capital?

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    Fountainhead Commercial Capital is a direct commercial lender dedicated to providing financing solutions tailored specifically for small businesses. Their focus lies in supporting entrepreneurs and small business owners looking to expand, invest in new equipment, or acquire commercial real estate.

    While many lenders and lending marketplaces offer various funding options, Fountainhead aimed to simplify the process by focusing on three loan programs: SBA 504 loans, SBA 7(a) loans, and Conventional Loans for commercial real estate.

    Its approach embraces the entrepreneurial spirit by recognizing the potential within each business owner’s vision. Their financing solutions act as catalysts for turning entrepreneurial dreams into tangible realities, fostering innovation and economic development. With that in mind, the company specifically focused on relationship-building with their small business clients.

    The business financing veteran Christoper Hurn launched Fountainhead in 2015. It’s based in Lake Mary, FL (Orlando area).

    How does Fountainhead Commercial Capital work?

    investment, finance, time

    When it was still accepting applications, Fountain was a direct lender specializing in SBA loan programs. It also focused on Low LTV conventional loans. It helped small and midsize businesses finance commercial real estate.

    SBA 504 Loans

    • Loan amounts: $125k – $5 million, or $5.5 million for special energy products.
    • Terms: 10-25 years.
    • Rates: Typically doesn’t exceed 3% of the funding amount.

    Fountainhead Commercial Capital offers SBA 504 loans designed to help small businesses acquire commercial real estate or equipment to create wealth. These loans typically offer low down payments and long-term fixed-rate financing, making them an attractive option for small business owners.

    The SBA 504 program is a partnership between a Certified Development Company (CDC), a lender, and the small business borrower, with the SBA providing a guarantee for a portion of the loan. Fountainhead Commercial Capital works with small business owners to navigate the SBA 504 loan process and secure the financing they need to grow and expand their businesses.

    SBA 7(a) Loans

    • Loan amounts: Up to $5 million.
    • Terms: 10-25 years.
    • Rates: Starting at Prime + 2.75%

    SBA 7(a) loans are designed to help small businesses with various financing needs. These loans can be used for purposes such as working capital, business acquisition, purchasing equipment or real estate, and refinancing existing debt. SBA 7(a) loans feature competitive interest rates and longer repayment terms, making them an attractive option for small business owners looking for flexible financing options.

    Fountainhead Commercial Capital provides personalized guidance and support throughout the application process, helping entrepreneurs navigate the complexities of securing an SBA 7(a) loan. With their expertise and dedication to serving small businesses, Fountainhead Commercial Capital is a trusted partner for entrepreneurs seeking funding to grow and expand their companies.

    Conventional Loan

    • Loan amounts: Undisclosed.
    • Terms: Undisclosed.
    • Rates: Undisclosed.

    Fountainhead Commercial Capital offers Conventional Loans with a low Loan-to-Value (LTV) ratio, making it an attractive option for businesses looking to secure financing with a smaller down payment. These loans are ideal for companies with solid credit and stable financial history, offering competitive interest rates and flexible terms. With Fountainhead’s Conventional Loans, businesses can access the capital they need to grow and thrive while keeping their initial investment low.

    Types of properties financed include:

    • Medical facilities.
    • Office buildings.
    • Free-standing restaurants.
    • Warehouses.
    • Auto repair shops.
    • Daycare facilities.
    • Assisted living facilities.
    • Hotels.

    What are the qualifications for Fountainhead Commercial Capital?

    list, icon, symbol

    As mentioned, the company is currently not accepting applications. However, here are the qualifications it looked for when it still financed small business loans.

    Unlike many lenders, Fountainhead doesn’t list minimum credit score, revenue, or time in business requirements. Here are the listed eligibility criteria for each loan type.

    SBA 504 Loans:

    • For-profit, non-publicly traded businesses.
    • Tangible business net worth (including affiliates) should not exceed $15 million.
    • The average net income of the business cannot have exceeded $5 million over the previous two years.
    • Ownership must generally be comprised of 51% U.S. citizens or Legal Permanent Residents.

    SBA 7(a) Loans:

    • For-profit, non-publicly traded businesses
    • Tangible business net worth (including affiliates) not to exceed $15 million
    • Average net income of the business not to exceed $5 million over the previous two years
    • Ownership must generally be comprised of 51% U.S. citizens or Legal Permanent Residents
    • Proceeds must directly benefit the small business

    Conventional Loans:

    • For-profit, non-publicly traded businesses.
    • At least 51% owned by U.S. citizens or permanent legal residents.

    For Fountainhead, You Need to Know That:

    Applications are currently paused. It’s unclear whether the non-bank lender will resume accepting applications and funding small businesses.

    The move to stop accepting applications reflects the continued volatility in the small business lending market. While some lenders like Fountainhead are pulling back, it creates a new opportunity for lenders (and lending marketplaces like United Capital Source) to fill the void.

    Fountainhead was the 6th largest SBA SBLC lender in 2022, with $49 million in SBA 7(a) loans. Fortunately, other alternative lending options can help you access SBA loans.

    The non-bank lender excluded the following companies:

    • Non-profits (except sheltered workshops).
    • Passive holders of real estate and personal property.
    • Lending institutions (mortgage brokers and correspondent lenders are eligible).
    • Life insurance companies (franchised agents are eligible).
    • Businesses located in a foreign country.
    • Businesses that sell products or services through a pyramid plan.
    • Gambling concerns.
    • Businesses that restrict patronage.
    • Government-owned entities (excluding Native American tribes).
    • Consumer and marketing cooperatives (producer cooperatives are eligible).
    • Businesses engaged in loan packaging.
    • Businesses that have previously defaulted on a Federal loan.
    • Businesses engaged in lobbying activities.

    The company offers a business loan referral program called FastTrack. While the referral form is still active, it’s unclear whether ISOs and business loan brokers can offer its products. You should contact the company if you’re interested in its loan referral program.

    How to Apply to Fountainhead:

    loan, agreement, signature

    As mentioned, the company is not accepting applications at this time. Here are the steps in the process from when Fountainhead processed loan applications.

    Step 1: Apply Online

    Prospective borrowers can start the application process online through Fountainhead’s website. The online application provides a convenient and accessible way for individuals to begin their financing journey.

    Step 2: Detailed Financial Information

    The application requires detailed financial information, including income statements, tax returns, and business financials. This comprehensive approach ensures that Fountainhead thoroughly understands the borrower’s financial position.

    Step 3: Documentation of the Property

    In addition to financial details, applicants must provide documentation of the property being financed. This may include property appraisals, insurance information, and legal documents. By providing these documents, borrowers demonstrate their commitment and readiness for financing.

    Step 4: Work with a Loan Officer

    After submitting the initial application, borrowers will work closely with a dedicated loan officer. This personalized approach allows borrowers to receive guidance and support throughout the application process. The loan officer serves as a valuable resource, addressing any questions or concerns that may arise.

    Step 5: Get Funded

    You’ll work with the loan officer to finalize and close the loan. The company prides itself on speed, offering quick decisions. SBA lending can take several weeks, regardless of the lender.

    Fountainhead, Post Funding:

    cash, flow, cash flow

    After securing funding from Fountainhead Commercial Capital, the post-funding process typically involves the disbursement of funds to the borrower. This may involve setting up a payment schedule, providing access to online account management tools, and ensuring that the borrower has all the necessary information to make timely payments.

    Additionally, Fountainhead Commercial Capital may offer ongoing support and guidance to help the borrower successfully manage and repay the loan. Overall, the post-funding process aims to ensure a smooth and successful experience for the borrower as they utilize the funds for their business needs.

    What are the advantages of Fountainhead?

    Fountainhead stands out for offering competitive interest rates and favorable loan terms. This means that borrowers can secure financing with terms that are beneficial and align with their financial goals.

    Borrowers benefit from personalized attention and guidance throughout the loan process. This level of personalized service ensures that each borrower’s unique needs and circumstances are considered, leading to a more tailored and satisfactory lending experience.

    Fountainhead’s commercial real estate financing expertise sets it apart from traditional lenders. This expertise allows the company to provide specialized solutions that cater specifically to the needs of commercial real estate investors and developers.

    What are the disadvantages of Fountainhead?

    Some borrowers may find the qualification requirements stringent compared to other lenders. The lender might have stricter criteria for credit scores, business financials, or collateral, which could make it challenging for some potential borrowers to meet the eligibility standards.

    The application process with Fountainhead may be more involved than with some alternative lending options. This could entail providing extensive documentation, undergoing thorough evaluations, and engaging in multiple rounds of communication with the lender. As a result, some applicants might perceive this as a time-consuming and labor-intensive process.

    Certain borrowers may prefer a lender with a broader range of financing products. While Fountainhead specializes in SBA 504 loans and commercial real estate financing, it may not offer as diverse a selection of loan types as other financial institutions. Consequently, individuals seeking different forms of funding, such as equipment financing or working capital loans, might opt for lenders with broader product portfolios.

    Fountainhead Pros & Cons

    pros, and, cons


    • Flexible financing options.
    • Quick approval process.
    • Competitive interest rates.
    • Excellent customer service.
    • Specialized in SBA loans.


    • Applications paused – cannot apply for financing.
    • Limited information available about the company.
    • Strict eligibility criteria.
    • Higher fees compared to some competitors.
    • Limited range of loan products offered (when accepting applications).

    Apply for business funding through United Capital Source today.

    Fountainhead Commercial Capital Frequently Asked Questions

    Is Fountainhead legit?

    Yes, Fountainhead is a legitimate company. We’ll have to wait and see how the application pause impacts the company in the long term. However, it has a commendable track record of successful loan transactions, demonstrating its reliability and capability in providing financing solutions for commercial real estate ventures. This history of successful deals underscores the legitimacy and effectiveness of Fountainhead’s services.

    What do Fountainhead Commercial Capital reviews typically focus on?

    feedback, group, communication

    Fountainhead has a mix of reviews. The company has a rating of 4.9 out of 5 on over 2,300 Google reviews, but it only has a 2.8 out of 5 on Trustpilot.

    Fountainhead Commercial Capital’s positive reviews consistently highlight the exceptional customer service and support provided throughout the lending process. Borrowers often express satisfaction with the personalized attention they receive, describing it as attentive and supportive. This emphasis on customer service creates a positive experience for borrowers, fostering trust and confidence in Fountainhead’s services.

    Borrowers frequently mention the competitive rates and favorable terms Fountainhead offers in their reviews. This significantly contributes to Fountainhead’s overall appeal among potential borrowers.

    Some reviews delve into specific experiences with Fountainhead’s application and approval process. These firsthand accounts provide valuable insights for prospective borrowers, offering a glimpse into what they can expect when engaging with Fountainhead for their financing needs. For example, one customer mentioned being surprised by how quickly the funds were available in their bank account.

    Many negative user reviews of Fountainhead Commercial Capital focus on issues with customer service, slow response times, and lack of transparency in the lending process. Customers have reported feeling frustrated with the lack of communication and support from the company and encountering unexpected fees and charges.

    Some users have also expressed dissatisfaction with Fountainhead Commercial Capital’s loan terms and conditions. We should note that some negative reviews were related to PPP loans. For example, one customer complained about not receiving notification for PPP loan forgiveness. The PPP loan program has been discontinued.

    What if Fountainhead denies my loan request?

    When Fountainhead accepted applications, common reasons for denial included not having the credit score requirements or meeting SBA eligibility. If your loan request is denied, you can seek feedback from your dedicated loan officer to understand the reasons behind the decision.

    Fortunately, many lenders are accepting applications and funding small business loans. While lenders for SBA loans often have strict requirements, many alternative loans are available with much more lenient criteria.

    You may be interested in one of the following small business loans:

    Making Your Decision

    path, feet, shoes

    When it accepted applications, Fountainhead Commercial Capital stood out as a reputable lender offering competitive commercial real estate financing solutions. With personalized service, competitive rates, and expertise in SBA and conventional loans, Fountainhead was a viable choice for entrepreneurs seeking to secure funding for their commercial properties.

    Based on the available information, we rated Fountainhead as a 3.8 out of 5. While its commitment to customer service is excellent, the limited product offerings and strict eligibility excluded many small business owners.

    While it’s unfortunate that some lenders like Fountainhead no longer offer small business financing, many lending options are still available. Here at UCS, our network of lenders is open for business.

    Disclaimer: The Fountainhead Commercial Capital trademark is owned by Fountainhead Commercial Capital and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Fountainhead Commercial Capital.

    Apply for business funding through United Capital Source today.

    Why Choose United Capital Source?

    Why businesses choose UCS:

    Quick funding options that won’t affect credit
    Access to 75+ lenders with multiple products to choose from
    Financing up to $5 million in as few as 3 days
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        At UCS, we understand the value of your time and want to ensure that your application has a great chance of approval. Please take note of the following details before applying:
        • To be eligible, it’s necessary to have a business bank account with a well-established U.S. bank such as Chase, Wells Fargo, Bank of America, Citibank, or other major banks. Unfortunately, online-based bank accounts like PayPal, Chime, CashApp, etc., are not permitted.
        • When describing your current average monthly sales deposits to your business bank account, please provide accurate information. Our approval process is based on your current business performance, and it’s essential to provide accurate details about your current sales in the first question on the application form. We cannot approve applications based on projected revenues after receiving funding.
        We appreciate your understanding and cooperation in ensuring a smooth and successful application process.
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