A Countertop Company in South Carolina Needed Capital to Scale, We Got Them SBA and Credit

The Business

Granite Guys LLC, based in Moncks Corner, South Carolina, designs and installs granite countertops for both residential and commercial customers. For more than 10 years, they built their reputation on quality work and strong client relationships.

Over that decade, the owners invested about $1.5 million of their own money into growing the company. They had reached a stage where personal funding was no longer enough. To truly scale and prepare for a future exit, they needed access to outside capital.

The Challenge

Granite Guys had a profitable business and steady demand, but they faced two major challenges.

First, delayed receivables from larger commercial clients strained their cash flow. When payments came in late, pressure built up. Vendors still needed to be paid, and operations still had to run smoothly. They needed a flexible solution that could cover short-term gaps without slowing down the business.

Second, expansion required new equipment. A laser cutting machine and other specialized tools were expensive, but critical for scaling production. Without financing, these purchases would have been difficult to manage and would have slowed their ability to grow.

The owners weren’t sure what type of debt structure would give them both the flexibility to manage day-to-day operations and the power to invest in larger, long-term assets. That uncertainty was holding them back.

That’s when they turned to Small Business Funding.

The Solution

At Small Business Funding, we look for ways to structure financing so that business owners can solve both short-term and long-term needs. For Granite Guys, that meant presenting a dual approach.

We sourced two solutions:

• A working capital line of credit with access to up to $100,000.
• A $350,000 SBA-backed 7(a) term loan for equipment purchases.

The line of credit gave Granite Guys immediate access to funds when receivables came in late. This kept cash flow steady, ensured vendors were paid on time, and lowered financial stress.

The SBA backed business financing provided the capital needed for a laser cutting machine and other equipment. With the new machine in place, they were able to add another crew, expand production, and meet increasing demand.

By combining a flexible credit line with a structured SBA loan, Granite Guys gained the tools they needed to manage daily operations and pursue long-term growth at the same time.

The Results

With funding secured, Granite Guys achieved several outcomes:

• Improved cash flow stability by drawing on the line of credit when receivables lagged.
• Paid vendors consistently, preserving strong relationships and operational trust.
• Purchased a laser cutting machine with SBA financing, a key step in scaling production.
• Hired an additional crew, significantly increasing their capacity to take on new projects.

These financing solutions allowed Granite Guys to move forward with confidence. They could now keep timelines on track, handle larger commercial jobs without strain, and continue growing toward their long-term goal of scaling and eventually exiting the business.

Customer Confidence

For Granite Guys, the funding was more than numbers on paper. It was about removing barriers that had held them back and putting systems in place that supported growth.

They no longer had to worry about when large clients would pay or whether they could afford critical equipment. Instead, they had a balanced debt structure that gave them both flexibility and security.

Their story is a reminder that even established businesses with years of investment can benefit from the right financing partner. With Small Business Funding, Granite Guys gained the capital they needed and the reassurance that their growth goals were achievable.

Today, they continue to meet and maintain their goals with financing structured to match the realities of their business.