Looking for business loans in Sandy Springs, GA? Driftwood Lending Group is a licensed commercial-loan broker at 1150 Hammond Dr, Sandy Springs, GA 30328, connecting local companies to SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, and specialized programs.
What we broker
Fast, local guidance and lender matching for Sandy Springs businesses.
Learn moreFast, local guidance and lender matching for Sandy Springs businesses.
Learn moreFast, local guidance and lender matching for Sandy Springs businesses.
Learn moreFast, local guidance and lender matching for Sandy Springs businesses.
Learn moreFast, local guidance and lender matching for Sandy Springs businesses.
Learn moreFast, local guidance and lender matching for Sandy Springs businesses.
Learn moreA broker works for *you*, not one lender. We shop your file across banks, credit unions, and alternative lenders to find the best fit for your industry, cash flow, and timeline. That means broader access and faster answers than visiting bank branches one by one along Roswell Road or Hammond Drive.
Broker advantage: We compare dozens of lenders simultaneously, so a medical-device distributor in Riverside or a catering company near City Springs can see multiple term sheets without duplicate applications. Because we earn our fee from the lender at closing, our guidance costs you nothing upfront.
Sandy Springs sits at the confluence of GA 400 and I-285, making it a logistics and corporate-services hub. Retail strips along Roswell Road, office towers in the Perimeter Center district, and industrial flex space near the Chattahoochee Industrial Boulevard all demand different capital structures. A broker understands those nuances and steers you to lenders who finance your sector.
SBA loans
The Small Business Administration 7(a) program offers long amortizations and competitive terms for acquisition, expansion, and refinancing. Loan amounts reach several million dollars, and the federal guarantee lets banks approve deals they might otherwise decline.
SBA 7(a) snapshot: Government-backed loans up to several million dollars with repayment periods as long as 25 years for real estate and 10 years for working capital or equipment. Ideal for buying an established business, opening a second location, or consolidating high-rate debt into a single predictable payment.
Sandy Springs startups and established firms use SBA 7(a) funds to purchase commercial condos in the Concourse office parks, acquire competitor client lists, or remodel storefronts ahead of City Springs foot traffic. Because the SBA shares default risk, lenders will consider borrowers who lack decades of operating history or perfect credit.
Approval takes four to eight weeks. You'll need tax returns, a business plan, and personal-guarantee signatures. We walk you through each document and work with SBA Preferred Lenders who know the North Fulton market.
Working capital
Cash-flow gaps don't wait for tax season. Working capital loans deliver funds within days to cover payroll, inventory restocks, or unexpected repair bills.
Working capital snapshot: Short-term financing, often six to eighteen months, that bridges revenue cycles. Approval hinges on bank statements and receivables rather than collateral, so service businesses and consultancies near Perimeter Mall qualify even without owned real estate.
A digital-marketing agency on Abernathy Road might draw working capital to hire two developers before a major client launch. A family-owned HVAC contractor in the Riverside neighborhood uses it to stock condensers ahead of Atlanta's summer surge. Repayment aligns with your sales calendar, not arbitrary monthly dates.
Expect to provide three to six months of bank statements and a brief use-of-funds letter. Turnaround ranges from 48 hours to two weeks, depending on the lender.
Equipment financing
Equipment loans and leases let you acquire machinery, vehicles, or technology without draining reserves. The equipment itself secures the loan, simplifying underwriting.
Equipment financing snapshot: Borrow 80-100 % of the purchase price over two to seven years. Payments stay fixed, and at term-end you own the asset outright. Ideal for delivery vans, restaurant ovens, dental chairs, or server racks that generate revenue from day one.
A landscaping company near the Dunwoody line finances a fleet of zero-turn mowers and a dump trailer, preserving cash for seasonal labor. A dermatology practice at Northside Hospital-Sandy Springs funds laser systems through an equipment lease, writing off payments as operating expenses.
We connect you to captive finance arms, regional banks, and independent lessors. Pre-approval takes 24 hours; documentation mirrors a car loan, invoice, two years of returns, and a credit app.
Real estate
Owner-occupied or investment properties require patient capital and tailored structures. Commercial real estate loans fund purchases, ground-up construction, and cash-out refinances.
Commercial real estate snapshot: Amortizations of 15 to 25 years with loan-to-value ratios up to 90 % under SBA 504 or conventional programs. Use the proceeds to buy your headquarters, build a warehouse along the Chattahoochee corridor, or pull equity from an appreciated asset.
Sandy Springs' tight office market, vacancy below 10 % in Class A towers, makes ownership attractive. A law firm might purchase a 5,000-square-foot suite in Concourse Corporate Center, locking in occupancy costs below escalating triple-net leases. A logistics broker acquires a flex building near I-285 and leases surplus bays to offset the mortgage.
Lenders order appraisals, environmental Phase I reports, and title work. Expect 60 to 90 days from application to closing. We coordinate inspections and liaise with your attorney so nothing stalls.
A line of credit functions like a corporate credit card with a higher limit and lower cost. Draw what you need, repay, and draw again, paying interest only on the outstanding balance.
Line of credit snapshot: Revolving facilities from $10,000 to $500,000, renewed annually. Perfect for managing seasonal dips, bridging invoice payment lags, or seizing time-sensitive opportunities like bulk-supplier discounts.
A boutique PR firm near City Springs taps its line each January when retainer renewals lag holiday spending. A craft brewery in the Riverside district draws funds to purchase hops futures at harvest prices, then repays as kegs ship to Brookhaven and Chamblee accounts.
Underwriting mirrors working capital: bank statements, a year in business, and reasonable credit. Once approved, funds transfer same-day via ACH.
Invoice factoring
When customers pay Net-30 or Net-60 but your suppliers demand cash, factoring converts invoices into immediate working capital.
Invoice factoring snapshot: Sell your outstanding invoices to a factor at a discount, typically 1-5 % per month, and receive 70-90 % of face value within 24 hours. The factor collects directly from your customer. No debt appears on your balance sheet.
A staffing agency placing IT contractors at Perimeter Center corporations factors weekly timesheets, ensuring payroll clears every Friday. A wholesale food distributor serving Marietta and Smyrna restaurants factors invoices to restock cold storage without waiting 45 days.
Factors care more about your customers' creditworthiness than yours, so startups and turnarounds qualify. We introduce you to factors experienced in your vertical.
Loan programs
Beyond the core six, Driftwood Lending Group brokers merchant cash advances, franchise financing, construction loans, and bridge loans. Each serves a distinct need, fast cash against card sales, brand-royalty structures, phased project draws, or short-term gap funding.
Specialized programs snapshot: Merchant cash advances provide capital within 48 hours, repaid as a percentage of daily credit-card receipts. Franchise loans bundle territory fees, build-out, and working capital. Construction loans release funds at milestone inspections. Bridge loans cover 60 to 180 days until permanent financing closes.
A franchisee opening a quick-service location near Perimeter Mall bundles SBA and franchisor incentives. A contractor renovating a Roswell Road retail block uses a bridge loan while tenants sign leases. We tailor the stack to your timeline and exit strategy.
Who we serve
Driftwood Lending Group works with businesses across Sandy Springs, Dunwoody, Brookhaven, Chamblee, Doraville, Marietta, Vinings, Roswell, Smyrna, North Druid Hills, and Norcross. Whether your operation sits five minutes north on GA 400 or fifteen minutes west along I-285, you'll find the same broker expertise and lender access.
Local reach: Our office at 1150 Hammond Dr sits less than two miles from Perimeter Center and City Springs, so we understand the North Fulton commercial landscape, retail rents, industrial absorption, and the mix of corporate HQs and small services firms that define the corridor.
Sandy Springs incorporated in 2005, and its business base has matured from suburban satellite to a self-contained economy. That evolution means diverse financing needs: a Buckhead-refugee law practice buying its first condo, a second-generation HVAC company adding a fleet, or a tech consultancy scaling from spare-bedroom startup to a full suite. We've brokered deals in each scenario.
Visit our Service Areas page to confirm we cover your location, or call (770) 341-7370 to discuss your project. Read more About Driftwood Lending Group to see our licensing and broker philosophy.
How it works
1. Discovery call, We discuss your business, funding amount, use of proceeds, and timeline. 2. Document gathering, Tax returns, bank statements, financial statements, and any purchase agreements. 3. Lender matching, We submit your profile to banks, credit unions, and alternative sources simultaneously. 4. Term-sheet review, Compare rates, fees, covenants, and repayment schedules side by side. 5. Closing coordination, We manage signatures, wire instructions, and final conditions so you fund on schedule.
No step requires you to visit multiple branches or repeat your story. One broker relationship replaces a dozen bank meetings.
Sandy Springs ranks as Georgia's sixth-largest city by population and anchors the northern I-285 arc. Corporate tenants, UPS regional offices, Cox Enterprises, and Inspire Brands, cluster in Concourse and Palisades office parks, generating demand for business services, catering, IT support, and facilities management.
Retail corridors along Roswell Road serve both daytime office workers and residential neighborhoods to the west. The City Springs mixed-use development added street-level restaurant and boutique space, raising foot traffic and lease rates. Industrial properties near the Chattahoochee River and along I-285 house logistics, light manufacturing, and distribution, sectors that rely on equipment financing and inventory lines of credit.
Lenders familiar with Sandy Springs understand these dynamics. A broker ensures your file lands with underwriters who've already approved deals in your ZIP code and industry.
At a glance
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Sandy Springs owners trust Driftwood Lending Group
