SBA LOANS
Long-term, low-rate capital backed by the federal government.
SBA 7(a) and 504 loans for major expansion, acquisition, or refinance. Lower rates, longer terms, more documentation. Worth the work when the numbers fit.
When an SBA loan is the right vehicle.
SBA loans are the cheapest commercial capital available to most small businesses, period. Backed by a federal guarantee, they offer rates and terms a conventional lender cannot match. The trade-off is paperwork: SBA underwriting is rigorous, with full tax returns, business plan, projections, and a 30 to 90 day timeline.
We help qualified borrowers structure SBA 7(a) loans up to $5M for working capital, real estate, or acquisitions, and SBA 504 loans for owner-occupied real estate and major equipment. If you have the time and the financials, this is where the cheap money lives.
KEY TERMS
SBA at a glance
Range
Up to $5M on 7(a). Up to $5.5M on 504. Real estate up to 25 years.
Timeline
30 to 90 days from application to fund. Plan ahead.
Qualifying
Strong personal credit, two years tax returns, profitable, business plan with use of funds.
INDUSTRIES THAT USE THIS
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