Strategic Business Funding Guidance for Entrepreneurs

SageNova Business Solutions LLC is a consulting and referral agency that helps entrepreneurs and small business owners access commercial business funding, startup growth resources, and acquisition financing options with clarity and strategy.

Built for founders who want clarity, not confusion.

About SageNova

SageNova Business Solutions LLC bridges the gap between your business vision and the capital you need to execute it. We connect entrepreneurs and small business owners with strategic capital solutions, startup resources, and acquisition financing options, while helping them understand their choices in plain language.

Our mission is to empower you to scale with confidence and clarity. We operate as a consulting and referral agency, and may also engage in general consulting, business development services, and other lawful activities permitted within the State of California and across the United States.

Who We Help

Growing Small Businesses

Owners who need capital for inventory, marketing, team expansion, and working capital to support growth.

Startup Founders

Entrepreneurs preparing to launch or validate their idea who want strategic guidance on accessing available funding.

Business & Franchise Buyers

Individuals acquiring an existing business or franchise who need a capital strategy to structure their purchase.

Our Services

Business Growth Capital Guidance

Understand options to support growth needs like inventory, marketing, new hires, and operating cash flow.

Startup & Launch Funding Strategy

Explore ways to secure early-stage capital and structure your funding as you bring your idea to market.

Business & Franchise Acquisition Planning

Map out a funding strategy to acquire a small business or franchise, aligned with your goals and risk tolerance.

Strategic Funding Roadmap

Work with us to design a clear, step-by-step funding roadmap for your next 6–24 months in business.

Funding Programs

We work with a range of business funding programs and partners. Here’s a quick snapshot of key options we can help you explore and match to your situation.

Business Line of Credit

Flexible revolving credit you can draw from as needed and repay as you go.

  • Use Cases: Cash flow smoothing, short-term expenses, timing gaps

Working Capital – MCA

Revenue-based funding tied to your daily or weekly sales, with fast decisions.

  • Use Cases: Quick working capital when speed matters more than rate

Bank Term Loan

Traditional amortized business loan with fixed payments over a set term.

  • Use Cases: Larger projects, expansion, and longer-horizon investments

SBA 7(a) Rapid Loans

Smaller SBA-backed loans with quicker underwriting for qualified businesses.

  • Use Cases: Working capital, equipment, or smaller acquisition needs

SBA 7(a) Term Loan

Longer-term SBA 7(a) structure for more substantial capital needs.

  • Use Cases: Business acquisitions, partner buyouts, expansion plans

Equipment Financing

Financing tied to specific equipment or assets your business needs to operate.

  • Use Cases: Vehicles, machinery, medical or spa equipment, and more

Invoice Factoring

Convert outstanding invoices into immediate working capital from a factoring partner.

  • Use Cases: B2B businesses with long payment cycles

Program availability, terms, and eligibility vary by profile. During a strategy call, we help determine which options may fit your goals and constraints.

How It Works

A clear, guided process from first conversation to being funded.

  1. 1. Submit Initial Application

    Start by completing a simple application outlining your goals and approximate funding needs, so we can understand your situation.

  2. 2. Credit Report & Documents

    You provide or authorize access to a tri-merge credit report from IdentityIQ, MyScoreIQ, MyFICO, or Experian, along with basic supporting documents such as your driver’s license.

  3. 3. Review & Consultation (Typically 1–2 Weeks)

    Within roughly 1–2 weeks, your profile is reviewed and a consultation is scheduled to walk through potential offers, structure, and any stipulations.

  4. 4. E-Signed Application & Contingency Agreement

    If you choose to move forward, you complete the e-signed application and contingency agreement so your file can be formally packaged.

  5. 5. Compliance Call

    A brief compliance call is completed to confirm key details, answer questions, and finalize next steps before submission.

  6. 6. Bank Submission

    Your package is submitted to appropriate banks and lending partners, in line with your profile and the program’s guidelines.

  7. 7. Funded

    Upon approval and acceptance of the terms, funds are made available via approved credit lines and accounts, ready to support your next move in business.

Frequently Asked Questions

What does SageNova do?

We act as a strategic guide and referral partner, helping entrepreneurs and small business owners understand their commercial funding options and connect with aligned programs and providers.

Who is a good fit for the SLOC / credit card stacking program?

Entrepreneurs with strong personal credit (typically 700+), a stable credit history, and a clear use for flexible capital are often a good fit.

Do you work with startups?

Yes. Many of the strategies we support are well-suited to early-stage founders and newer businesses, especially when the entity has been active for at least six months.

Do you directly lend money?

No. SageNova provides consulting and referral services and does not directly act as a lender. Any approvals, terms, and funding decisions are made by the third-party providers you choose to work with.

How do I get started?

The simplest way to begin is to book a strategy call. We’ll discuss where you are in your business, what you’re trying to accomplish, and whether a program like SLOC / credit card stacking aligns with your goals.

Let’s Talk

If you’re planning to start, grow, or acquire a business and want a clearer funding strategy, SageNova is here to help you think through your options.

Book a Strategy Call

Prefer email? Reach out at info@sagenovabiz.com