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SBA Financing
504? 7A? SBA Express? Small Loan? CRE, Machinery, Business Capital. Whatever your SBA need might be, our team is made up of some of the top SBA experts in the country.
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Maximizing Business Potential: The Benefits of SBA Financing
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Government backing
Provided by participating lenders but backed by the U.S. Small Business Administration, offer a reduced risk for lenders and increased accessibility to funding for small businesses due to the SBA's partial loan guarantee.
Longer repayment terms
Ranging from 5 to 25 years, aiding borrowers in better cash flow management through reduced monthly loan payments compared to traditional business loans.
Lower down payments
Offers lower down payments, usually around 10% to 20% of the total loan amount, enabling small businesses with limited capital or cash reserves to obtain financing more easily compared to conventional loans.
Flexible use of funds
Provides flexibility in fund utilization for various business purposes, including working capital, equipment/inventory purchases, debt refinancing, expansion/renovation projects, and business acquisitions, subject to specific restrictions that may apply based on the loan program.
Access to capital
Offers small businesses easier access to crucial capital that may be challenging to obtain through traditional lenders, as the SBA guarantee mitigates risk for lenders, enabling funding for businesses with limited collateral or credit history.
Favorable loan terms
Provides businesses with more advantageous loan terms, such as extended repayment periods, reduced down payments, and competitive interest rates, facilitating effective cash flow management and alleviating financial burden
Business growth and expansion
Enables small businesses to pursue growth and expansion by providing funds for initiatives like equipment purchases, new location expansion, or business acquisitions, unlocking their full potential.
Debt refinancing and consolidation
Offers the option for businesses to refinance and consolidate their debts, potentially lowering interest rates, extending repayment terms, and simplifying debt structures, thus reducing financial stress and enabling businesses to concentrate on growth and profitability.
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FAQs
In this section, you will find concise answers to common questions regarding SBA financing loans.
SBA financing refers to loans provided by participating lenders but guaranteed by the Small Business Administration. The SBA reduces the risk for lenders, making it easier for small businesses to access funding.
Eligibility requirements vary based on the loan program, but generally, businesses must meet size standards, operate for profit, demonstrate repayment ability, and have exhausted other financing options.
The maximum loan amount depends on the SBA loan program. For example, the 7(a) loan program has a maximum loan limit of $5 million, while the CDC/504 loan program can provide up to $5.5 million for eligible projects.
The SBA offers several loan programs, including the 7(a) loan program for general small business needs, CDC/504 loans for real estate and equipment financing, microloans for small amounts, and disaster loans for businesses affected by disasters.
To apply for an SBA loan, you need to work with an approved lender. The documentation required may include business financial statements, tax returns, business plan, personal financial statements, and collateral documentation. The lender can provide a detailed list of required documents.
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Loan Types & Products
Business Acquisition
Acquiring a competitor? Buying our a partner? Scaling your empire? We can help.
Working Capital
The quickest way to kill a business is to run out of cash. Let’s talk working capital to keep you alive and thrive.
Equipment Financing
Need any type of business equipment or machinery to operate your business. We can likely help finance it.