Working Capital
Funding Your Vision
Capital with Clarity. Accelerate Your Future.
Your trusted provider of working capital solutions for businesses nationwide.
For small business, real estate, industrial services, franchise development, startups and more.
Working CapitalSBA and Term LoansCommercial Real EstateEquipment Funding
A Relationship-First Funding Standard
◆Decades of Experience◈Dedicated Account Management✦24/7 Support◎Personalized Discovery◇Multiple Lending Solutions⌁All 50 States Funding✧CapEx, OpEx, Investments and Startups◉Owner-Led Funding Guidance
Fund Your Next Big Move
No cookie-cutter loans.No rigid approvals.No automated denials.
We look at the blueprint of your business and shape funding around short-term needs, long-term vision, and the way cash actually moves through the operation.
SBA and Term Loans
Expansion Capital
Longer-horizon capital for major investments, acquisitions, new locations, and the next stage of growth. Fund your expansion →Commercial Real Estate
Property and Assets
Financing structures for warehouses, owner-occupied property, and portfolio growth. Explore property financing →Capital Solutions
Local knowledge, national perspective.
Nationwide reach with funding options tailored to the market, timing, and capital structure behind the opportunity.
Acquisitions and Expansions
Structured capital for buying competitors, securing owner-occupied commercial real estate, or opening new locations.
Fund your acquisitions →Looking to Sell
Bridge capital and equity extraction when liquidity needs to stay fluid while a property or business sale is pending.
Access your equity →Equipment and CapEx
Funding for machinery, technology infrastructure, fleet vehicles, and the essential equipment needed to scale operations.
Fund your equipment →Working Capital and Cash Flow
Unrestricted liquidity designed to smooth seasonal dips, manage payroll surges, or fund major marketing campaigns without giving up equity.
Secure working capital →Refinancing and Consolidation
Restructure existing high-interest debt into more workable long-term structures to lower payments and improve cash flow.
Optimize your debt →
About Patriot Financial LLC
More than a lender. A strategic financial ally.
We know what it takes to build, operate, and scale a business. We do not just look at a credit score; we look at the mechanics of your operation, your cash-flow cycles, and your vision for the future.
Financial Precision, Human Approach
Algorithms do not understand the nuance of your business model. The process starts with your financials, cash-flow cycles, and operating reality.
Unbiased, Nationwide Access
Because the firm is not tied to one bank's underwriting box, it can compare structures across a nationwide network of lending partners.
Speed Without Sacrificing Strategy
Capital needs to move quickly, but it also needs to be structured correctly around CapEx, OpEx, timing, and risk.
True Transparency
Clear terms, plain-language communication, and no financial jargon designed to confuse the decision.
Operators Trust Mike
Fast approvals. Real answers. Equipment funded when it matters.
Business owners come to Patriot Financial when the purchase is urgent, the bank is slow, and the next piece of equipment cannot wait.
★★★★★
Mike from Patriot is a God send. Patriot got my small bussiness funded in one day for a new skid steer. Being a small bussiness that is just starting to build bussiness credit, institutions like this are PRICELESS! 5 out of 5* HIGHLY RECOMMENDED
★★★★★
I have to give a big shout out to Mike at Patriot Financial. I went to him with an equipment purchase on Thursday evening and he had the financing approved Friday morning. I have never had an easier time financing a purchase or a quicker turnaround. I highly recommend that anyone looking to finance a purchase to talk to Mike. I will have him handle all of my future purchases.
★★★★★
Mike and his team are amazing! They were extremely helpful and communicative. I was looking at multiple different options for Heavy Equipment for my start up and Mike was willing to help me and give me advice whenever i needed it. I will definitely be going back and I definitely be using them when i start up my next business!
★★★★★
Patriot Financial is One of the best Financing Experiences I have ever had. I have been working with Michael DIEugenio for a few years now and he ALWAYS makes it happen. When others have struggled finding financing that makes sense for our business, Mike brings in the deals that work. You have to try Patriot out. No hidden costs, No hidden agendas, just straight up great work. I look forward to working again with you in the near future.
★★★★★
I had to go back in and edit my original review because I just used Mike for a fourth piece of equipment. Mike and Patriot have now helped me get two trailers, a skid steer and a mini excavator. The process is super easy and fast and he’s really pleasant to deal with. Not to mention he got me an interest rate 1.5% lower than my bank offered and with no money at all up front. I highly recommend using these guys and have already referred them to a bunch of co tractor buddies.
★★★★★
Patriot Financial was a pleasure to work with, more directly Mike Dieugenio really jumped through hoops late evening hours and early in the morning next day to get my deal financed. In short notice he got my deal financed and proof of financing to TAM Auctions within 24 hours, and interest rate was not bad either! Thank you Mike and I highly recommend to anyone and especially people buying on Ebay in doing business with Patriot Financial LLC.
★★★★★
Mike and his Company Patriot Financial went beyond what they should have done. Mike kept working with me and a 3 party to get the financing that was needed to help me recover from equipment being stolen and was very patience with me to let get everything together on my end to move forward with the deal. Mike also help get the insurance needed to secure the equipment in case of whatever. I highly recommend Mike and his Patriot financial LLC to help you. Mike did explain everything in detail and explain each step to the process that needed to be done
★★★★★
Was in the market for a new to me Bobcat but wasn’t sure how I was going to finance it. My dealer referred me to Mike DiEugenio here at Patriot Financial and he was nothing short of great through the entire process. I truly do not know if or how he could have made it any easier. Thank you Mike for all of your help. I will be in touch soon enough I’m sure when I add to the fleet and we start growing. Keep up the great work.
Strategic Referral Partnerships
Empower your clients' growth without compromising trust.
When your clients need capital to take the next step, partner with a lending network that treats the relationship with care, diligence, and clear communication.
CPAs and Tax Advisors
Growth capital and equipment financing support for clients who trust your books-first advice.
Commercial Realtors and Brokers
Owner-occupied and investment property financing paths that help viable deals keep moving.
Attorneys and Legal Counsel
Discreet capital options for acquisitions, buyouts, restructuring, and complex agreements.
Business Brokers and M&A Advisors
SBA and term-loan networks to help qualified buyers reach the closing table.
Equipment Vendors and Dealerships
Financing paths that help customers afford the machinery or technology they need.
Your business is not standard, so your loan should not be either.
Industries Served
Capital support for operators with real-world complexity.
🏗General Contractors🍽Restaurants and Food Service🍸Bars and Nightclubs🏘Residential Developments🏢Commercial Real Estate🔑Property Management🧩Franchise Development🚚Distributors⚙Manufacturing👥Staffing Solutions🛠Industrial Services⚕Healthcare Services
How It Works
From discovery to deployment in three steps.
The Blueprint Session
Start with a conversation, not a generic application. Review cash flow, short-term needs, and long-term vision.
Capital Architecture
Match the business profile with lending options, negotiate terms, structure the debt, and move beyond automated denials.
Funding and Execution
Clear terms, rapid approvals where available, and capital deployed so the next move can begin.
Frequently Asked Questions
Clarity on capital.
Get a personalized path to your business financing with a discovery-first process.
Get Your Free Discovery SessionWhat types of business funding and commercial loans does Patriot Financial LLC provide?
Customized financial solutions can include working capital, SBA loans, commercial real estate financing, equipment financing, and business lines of credit for startups, established enterprises, and franchise development.
Does Patriot Financial LLC offer business financing across all 50 U.S. states?
Yes. Patriot Financial LLC works through a nationwide network of lending partners to support commercial real estate acquisitions, equipment purchases, operating expenses, and expansion needs across the United States.
How does the approval process differ from traditional bank loans?
Traditional approvals can rely on rigid automated filters. Patriot Financial LLC uses a relationship-based discovery process that looks at operating mechanics, cash-flow cycles, and the capital structure that actually fits the business.
Can real estate professionals and CPAs partner with Patriot Financial LLC?
Yes. The firm forms referral partnerships with CPAs, tax advisors, commercial real estate brokers, attorneys, business brokers, and equipment providers nationwide.
How quickly can a business receive working capital or expansion funding?
Timing depends on the capital structure and underwriting requirements. Working capital and equipment financing can often move quickly when documentation and fit are clear.
Start Now
Stop guessing. Start scaling.
The capital you need is out there. Let's build the strategy to secure it with a personalized discovery and funding process.