Monarch Commercial Capital

What Monarch Commercial Capital does

Monarch Commercial Capital is a privately held, founder-owned commercial loan brokerage headquartered in Holladay, Utah (a suburb of Salt Lake City). Founded in 2016 by Jon Kleven, a former bank underwriter, the firm arranges commercial real estate and business financing for small and mid-sized businesses by acting as an intermediary between borrowers and a network of more than 80 banks and credit unions across the United States. The company does not lend its own capital; instead it packages, submits, and advocates loan applications on behalf of clients through SBA 504, SBA 7(a), and conventional commercial loan programs.

The firm's product set covers purchase and refinance of owner-occupied and investment commercial real estate, business acquisition and partner buy-out financing, franchise start-up financing, debt refinance and working capital loans, and a sub-$250,000 SBA 7(a) Small Loan Program. Loan tickets range from approximately $150,000 to $5,000,000+. Underlying technical infrastructure is minimal: the firm operates a content-marketing website (monarchcc.com) with online application questionnaires, blog content, and a web-based Commercial Mortgage Calculator built for commercial real estate brokers to generate side-by-side financing scenarios. No proprietary lending platform, software product, mobile app, API, or AI/ML capability is disclosed.

Monarch generates revenue on a per-transaction basis through lender-paid brokerage/arrangement fees when loans close, consistent with a professional services model. Its go-to-market is sales-led and advisor-led: targeted digital content (website, blog, YouTube, LinkedIn, Facebook), customer testimonial content, inbound applications, and a referral channel via commercial real estate brokers. The company markets itself as an advocate-based alternative to walking into a single bank branch, emphasizing 15+ years of founder experience, a 24-hour average response time, and access to multiple lender options as its primary differentiators.

Name

Monarch Commercial Capital

Legal name

Monarch Commercial Capital

Website

https://monarchcc.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Monarch Commercial Capital is a founder-owned commercial loan brokerage based in Holladay, Utah. The firm arranges SBA 504, SBA 7(a), and conventional commercial real estate loans ($150K–$5M+) by connecting small business borrowers with a network of 80+ banks and credit unions nationwide.

Ownership category

akta.pro rank

Product category

Commercial Loan Brokerage

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME Commercial Real Estate (CRE) Lending (FSABABAG), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Commercial loan brokerage
• SBA loan services
• Commercial real estate financing
• Business acquisition loans
• Franchise financing

Headquarters

HQ city

Holladay

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Loan Brokerage/Arrangement Fees: Monarch Commercial Capital generates revenue by arranging commercial loans between borrowers and lending institutions (banks and credit unions). As a commercial loan broker, they connect business owners seeking financing with their network of 80+ lenders nationwide. The company receives compensation from lenders for facilitating loan placements, including SBA 504, SBA 7(a), and conventional commercial real estate loans. Revenue is generated on a per-transaction basis as loans close.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Monarch Commercial Capital is a commercial loan brokerage that arranges financing for small and mid-sized businesses by connecting borrowers with its network of 80+ banks and credit unions nationwide. The company specializes in SBA 7(a) loans, SBA 504 loans, and conventional commercial real estate financing, handling loan amounts ranging from $150,000 to over $5,000,000. It acts as an advocate and intermediary for clients seeking commercial real estate purchases, business acquisitions, franchise start-ups, and debt refinancing.

Product overview

Monarch Commercial Capital is a commercial financing brokerage offering a portfolio of loan products centered on SBA financing programs and conventional commercial real estate loans. The core offerings include Commercial Real Estate Financing, Business Acquisition & Partner Buy-out Financing, Franchise Start-Up Financing, Debt Refinance and Working Capital Loans, and SBA Loans $250k or Below. The company provides a Commercial Mortgage Calculator software tool for brokers to generate financing scenarios. All products are delivered through a network of 80+ lending institutions nationwide, with the company acting as an advocate for clients throughout the loan process.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Real Estate Financing Purchase and refinance loans for commercial real estate properties including owner-occupied and investment properties, offered through conventional financing, SBA 504, and SBA 7(a) programs with loan amounts starting at $250,000. Property types include office, retail, industrial, hospitality, healthcare facilities, mixed-use, self-storage, and multifamily (5+ residential units).
• Business Acquisition & Partner Buy-out Financing SBA 7(a) loans ranging from $300,000 to $5,000,000 for purchasing existing businesses or buying out partners, featuring 10-year terms with no prepayment penalty and as little as 10% down payment. Targeted at entrepreneurs looking to purchase an existing business or buy out a partner.
• Franchise Start-Up Financing SBA 7(a) loans for franchise start-ups ranging from $300,000 to $5,000,000 with 10-year terms, designed for SBA-eligible franchises with proven track records. Targeted at individuals seeking to start a franchise location of an established SBA approved franchise concept.
• Debt Refinance and Working Capital Loans SBA 7(a) loans from $250,000 to $5,000,000 for debt consolidation, working capital, business expansion, and refinancing high-interest business debt over 10-year terms. Targeted at established businesses seeking working capital for growth or consolidating high-interest debt into longer-term SBA loans.
• SBA 7(a) Small Loan Program (Under $250,000) SBA 7(a) Small Loan Program with simplified application process and less stringent underwriting criteria for smaller loan amounts under $250,000. Designed for smaller businesses needing quicker access to SBA-backed financing.

Quantifiable outcome

• 24-hour average response time to incoming applications
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Fundera: Business loan marketplace (acquired by NerdWallet) that connects SMB borrowers to bank and alternative lenders for SBA, term loans, lines of credit, and commercial financing. Closely comparable to Monarch's multi-product brokerage approach.
• Lendio: Online SMB loan marketplace that aggregates multiple lenders (banks, credit unions, alternative lenders) and matches small business borrowers to financing, including SBA and commercial loans. Directly comparable to Monarch's brokerage/intermediation model with a scaled digital presence.
• Crestmont Capital: Commercial loan brokerage that arranges SBA, conventional, and CRE financing for small businesses through a network of lenders. Directly comparable in business model, customer profile (SMB owner-occupied CRE), and product mix.
• Biz2Credit: Online small business financing marketplace connecting borrowers with banks, credit unions, and alternative lenders for SBA loans, working capital, and commercial financing. Comparable to Monarch's intermediary business model with stronger tech and scale.
• SmartBiz: SBA-focused fintech lending marketplace specializing in SBA 7(a) loans for small businesses. Directly comparable to Monarch's core SBA 504/7(a) offering, with a more digitized end-to-end borrower experience.
• BoeFly: Commercial loan marketplace that connects borrowers with SBA and conventional lenders, with particular strength in SBA 504 and 7(a). Closely comparable to Monarch in target customer (SMB) and loan product mix.

Broad incumbents

• National Funding: Established SMB working capital and equipment financing provider that also brokers SBA and term loans. Overlaps with Monarch on small business financing but operates more broadly with direct capital and larger scale.
• Live Oak Bank: Leading SBA-focused commercial bank with deep expertise in SBA 504 and 7(a) lending to small businesses. Represents the type of institutional lender on the other side of Monarch's brokered transactions, and a useful competitor for direct SBA deals.
• Kapitus: Diversified SMB financing provider offering working capital lines, SBA loans, equipment financing, and factoring. Comparable customer base to Monarch but with broader product suite and direct balance-sheet lending.

Emerging players

• Accion: Nonprofit small business lender and advisor providing microloans and SMB financing with an emphasis on underserved borrowers. Comparable target customer and educational/advocacy positioning to Monarch, though primarily nonprofit-funded.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCaZXSYWiGBfyuHpnHnBn6KA
• Facebookfacebook.com/MonarchCommercialCapital
• LinkedInlinkedin.com/company/monarch-commercial-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Monarch Commercial Capital