Loyal – Trustworthy – Driven

SBA Loans

The Small Business Administration offers financing incentives so that small businesses can get the money they need for real estate, equipment, construction, and working capital. Our SBA-certified lenders will help you navigate the application and approval process to help your business get cash as fast as possible.

Apply Now

What is an SBA Loan?

Although the SBA offers a range of financial service products, the two most popular loans are the SBA 7(a) and the SBA 504. The two loans have similar qualification requirements, allowed uses, and interest rate limits. However, they’re different in a few key features.

The SBA 504 loan can be used for real estate, equipment, and construction purposes. You must apply for the loan through a Certified Development Company, a local non-profit authorized by the SBA. The funding is made up of a 10% down payment, 40% from the SBA, and 50% from a private lender, which allows you to get 90% financing.

The SBA 7(a) loan is the more flexible of two, as it can cover the same expenses as its counterpart, with the addition of working capital. Applications for this loan go through private lenders. Our vast network of lending partners includes those who specialize in small business loans, with rates that conform to SBA guidelines.

Types of SBA Loans

Real Estate

Get the financing to make purchasing new real estate for your business a reality. Use the funds to buy or renovate property for resale or owner-occupation. Funds can also be put toward acquiring land or refinancing an existing real estate loan.

Equipment

Purchase long-term machinery or refinance an existing equipment loan with an SBA 7(a) or 504. When you rely on your equipment to keep business moving, talk to one of our SBA-certified experts today.

Working Capital

Onboard new personnel, update computer software, move inventory, or launch your social media campaign all with the help of an SBA 7(a). If your business needs it, chances are a 7(a) will cover it. Work with our SBA lenders to discover the benefits of this flexible loan.

Advantages of SBA Loans

No balloon payments.
Fixed interest rates for SBA 504 loans.
Free up working capital to put back into your business.
SBA 7(a) loans can be approved in just a few days.

Frequently Asked Questions

When is an SBA Loan not a good fit?

Some eligibility restrictions apply when it comes to the type of businesses that qualify for SBA loans. If your business is in the gambling, speculation, rental real estate, or non-profit industries, let our experts find a personalized loan for you.

When do SBA loans mature?

The maturity period of your SBA loan depends on what the loan will be used for. SBA 7(a) loans mature at 25 years for real estate, 10 years for working capital and equipment. SBA 504 loans have 10 or 20-year terms.

What are the maximum loan amounts?

An SBA 7(a) loan has a maximum of $5M. The 504 loan has a $5.5M maximum, depending on the purpose of the loan.

Do I need a down payment?

Yes. Expect to provide at least 10% as a down payment on the loan. Some lenders require a higher percentage. Let us know what fits in your budget and we’ll match you will the right lender.

Our Process

Consultation

Unlike online lenders, we work with you to understand your goals and objectives for your business. Applying the right financial instrument with the right terms to each objective sets up a path for success. We’ll help you position your business for funding.

Placement

Unlike banks and other traditional lenders, we aren’t drawing from a single source of funds with a single set of terms. We aren’t trying to ‘sell’ you on a loan package. Instead, we facilitate placement of your loan with like minded lenders based on your plan.

Funding

We help you evaluate the terms offered by each prospective lender and we negotiate on your behalf to secure the best terms available for your business. Not only that, we are here for you in the road ahead. As you grow and evolve we will support with information and future financing opportunities.

GET FUNDED NOW