Midland, TX · Commercial loan broker
Elm Advances brokers commercial business loans in Midland, TX and nearby areas including Cotton Flat, Warfield, Greenwood, Gardendale, and Stanton.
Get started in Midland: share what you need to fund, we do the lender search, and you compare offers with a local advisor. No cost to apply.
Who we serve
Elm Advances works with established businesses and startups across the Midland area. We broker business loans in Midland for oilfield service companies, retail shops, medical practices, restaurants, trucking operations, and manufacturing firms. If your business operates in Midland, Cotton Flat, Warfield, Greenwood, Gardendale, or Stanton, we connect you with lenders who understand Permian Basin commerce. Many clients run operations near the Midland International Air & Space Port or along the I-20 corridor. We handle transactions for businesses managing cyclical energy-sector revenue and those diversifying away from oil and gas. Our office sits at 2402 W Wall St, Midland, TX 79701, and we take calls at (432) 277-9693.
Loan programs
We broker multiple commercial loan programs, matching Midland businesses with lenders based on use case, collateral, and cash flow. Each program carries different cost structures, and we explain those structures before you apply. You choose the path that fits your budget and timeline.
The SBA 7(a) loan program offers longer repayment terms and lower down payments than conventional bank loans. Businesses use SBA 7(a) funds to buy real estate, refinance debt, purchase inventory, or cover working capital gaps.
More on SBA 7(a) LoansWorking capital loans bridge short-term cash shortfalls caused by slow receivables, seasonal dips, or unexpected repairs. Lenders evaluate your bank statements and revenue history rather than requiring hard collateral.
More on Working Capital LoansEquipment financing lets you acquire machinery, vehicles, or technology while spreading payments over the equipment's useful life. The equipment itself serves as collateral, which often results in lower costs than unsecured loans.
More on Equipment FinancingCommercial real estate loans fund the purchase or refinance of office buildings, warehouses, retail storefronts, and industrial yards. Lenders typically require a down payment and appraise the property to determine loan amount.
More on Commercial Real Estate LoansA business line of credit in Midland gives you revolving access to funds up to a set limit. You draw what you need, repay, and draw again.
More on Business Lines of CreditInvoice factoring converts unpaid B2B or B2G invoices into immediate cash. You sell invoices to a factoring company at a discount, and they collect from your customer.
More on Invoice FactoringElm Advances operates from 2402 W Wall St in Midland, TX, not a call center in another state. We understand Permian Basin business cycles, the reliance on energy-sector contracts, and the challenge of securing funding when commodity prices swing. Local businesses near Cotton Flat and Warfield often need flexible terms that national lenders overlook. We broker loans by comparing multiple lenders and presenting options with full cost breakdowns. You see the total expense of each program before you choose. We do not earn commissions by hiding fees or rushing approvals.
How it works
You call (432) 277-9693 or visit our Midland office. We discuss your funding need, review your financials, and identify suitable loan programs. We submit your profile to lenders, negotiate terms, and explain costs. You decide whether to proceed. The process is transparent from first call to funding.
Step one: you describe your business, funding amount, and intended use. Step two: we collect revenue records, bank statements, and credit information. Step three: we match your profile with lenders who serve Midland businesses. Step four: lenders return term sheets. Step five: we review each offer with you, breaking down interest, fees, and repayment schedules. Step six: you select an offer and complete the lender's underwriting. Step seven: funds arrive in your account. Timeline varies by program. SBA loans take longer than working capital advances. We keep you informed at every stage.
Service area
Elm Advances brokers business loans across the Midland metro and surrounding communities. We serve Cotton Flat, Warfield, Greenwood, Gardendale, and Stanton. Businesses along Highway 158 and County Road 130 call us for funding. If you operate within a thirty-minute drive of downtown Midland, we consider you local. Visit our service areas page to confirm coverage, or call (432) 277-9693 to ask.
Elm Advances is a licensed commercial business-loan broker based in Midland, TX. We connect small businesses with lenders offering SBA 7(a), working capital, equipment financing, commercial real estate, business lines of credit, invoice factoring, and other programs. Our model relies on cost transparency. We explain every fee, every interest component, and every repayment term before you sign. We do not lend money. We broker loans. Learn more on our About page.
Market context
We broker business loans in Midland for oilfield service companies, retail shops, medical practices, restaurants, trucking operations, and manufacturing firms.
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.
Serving the Midland area
We know which lenders fund which kinds of Midland businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
What owners say
Local, responsive, and honest about what would and wouldn't work for us.
Walked us through the whole process in plain English and kept us updated.
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 Midland owners trust Elm Advances
Talk to a local advisor and get matched to the right program, no obligation.
