Fusion Brand Builders™ : Financing options for Maryland restaurants seeking to expand their sales through equipment loans and working capital; including no personal guarantee (PG) options:

Equipment Loans (No PG Options)1. Liberty Capital Group

• Features:No personal guarantee required (won't appear on personal credit reports) 4
  Up to $5M in financing for new/used equipment
  Terms: 12–84 months, $0 down for qualified borrowers
  Startup-friendly with deferred payment options (e.g., $99 first 6 months) 4
  
• Eligibility:Simple application; startups and low credit considered
  Works with vendors nationwide 4
  

2. United Capital Source

• Features:No PG required for equipment financing 12
  Up to $5M for kitchen equipment, POS systems, etc.
  Fast approval (24–72 hours)
  
• Eligibility:600+ credit score
  6+ months in business 12
  

Equipment Loans (Other Options)3. Taycor Financial

• Features:Up to $400K without tax returns
  Flexible repayment (deferred/semiannual)
  
• Eligibility:Startups and low credit accepted 1
  

4. Maryland Economic Adjustment Fund (MEAF)

• Features:Loans up to $150K for equipment 5
  Targets minority-owned businesses
  
• Eligibility:<50 employees, strong repayment plan 5
  

5. StartCap (Local Lenders)

• Features:Partners with local banks (Farmers & Merchants Bank, PNC, etc.)
  Rates: 6%–12% for qualified applicants 7
  
• Eligibility:Varies by lender; collateral typically required 7
  

Working Capital Loans6. Credibly

• Features:Up to $600K for daily operations
  Same-day funding available
  
• Eligibility:500+ credit score, $15K+/month revenue 1
  

7. Bluevine Line of Credit

• Features:Up to $250K revolving credit
  Interest-only on used funds
  
• Eligibility:625+ credit score, $10K+/month revenue 1
  

8. Fora Financial

• Features:Loans up to $1.5M for bad credit (570+ score)
  Early payoff discounts
  
• Eligibility:$20K+/month revenue 1
  

State Programs9. Maryland Capital Access Program (MCAP)

• Features:Reduces lender risk, improving approval chances
  Covers loans for equipment, inventory, and working capital 13
  
• Eligibility:Partner lenders determine terms (PG varies) 13
  

10. Maryland Small Business Development Financing Authority (MSBDFA)

• Features:Loan guarantees for equipment purchases 5
  Supports minority/women-owned businesses
  
• Eligibility:Strong business plan, collateral may apply 5
  

Key Notes

• No PG Options: Liberty Capital and United Capital Source explicitly avoid personal guarantees 412.
• Startups: Taycor, Liberty Capital, and Fundbox (up to $150K) cater to newer businesses 14.
• Fast Funding: OnDeck (24 hours), Credibly (same-day), and Fora Financial (24–72 hours) 1.

For applications, visit lender websites or contact the Maryland Department of Commerce for state-backed programs 513.