SBA Lending
For most purposes a man with a machine, is better than a man without a machine.
~ Henry Ford.
SBA Lending
The Small Business Administration (SBA) serves as the main resource for government-backed business loans. Because a portion of an SBA loan is guaranteed by the government, these loans allow small business owners to obtain capital with less equity than a conventional loan might require.
Loans Up To $15 Million
Step 1. Apply Online
Our application process is simple and easy, and can be finished online or over the phone.
Step 2. Get Your Approval
A dedicated specialist will offer and discuss options tailored to meet your business needs at no cost.
Step 3. Receive your funds
Complete the online application process and get funded within the next 24 hours.
APPLY ONLINE NOW
Quick Application Process
We prioritize the security of your information. Our encrypted and secure document upload feature ensures that your confidential documents are handled with the utmost care, providing you with peace of mind throughout the application process.
Fast Response and Capital Injection
24-Hour Turnaround Time
Minimal Paperwork Needed
Why should I choose us for funding?
We are the perfect size to have MANY options that can deliver for our clients and the perfect size to personally care about them, and EACH and EVERY deal. We stand out for our commitment to results, offering competitive interest rates, many options, and clear terms. YOUR success is OUR success!
How quickly can I expect my funding?
Experience swift financial support through our streamlined application process and efficient approval system. With quick decisions and prompt disbursements, our nearly 100 ready-to-fund lenders ensure you get the financial assistance you need promptly.
What makes your loan options unique?
Enjoy flexibility and personalized solutions with our customizable loan options. We understand that everyone's financial situation is unique, and our diverse range of options reflects our commitment to meeting your specific needs.
How do you ensure the security of my personal information?
Your privacy is our priority. We employ state-of-the-art encryption and security measures to safeguard your personal information. Our robust system ensures that your data is handled with the utmost care and confidentiality.
What support can I expect throughout the loan process?
Our dedicated customer support team is here to assist you at every stage. Whether you have questions about the application, or need clarification on terms, our responsive and knowledgeable team, backed by nearly 100 lenders, is ready to provide the support you need.
No collateral required
Secure the capital you need based on cash flow — often without having to pledge any type of asset or collateral.
Fast time to fund
Ideal when you need cash fast, and BANKS are MOVING TOO SLOW. You can be approved in a little as 6 hours and funding in as little as 24 hours.
Early payoff discount
Clients who shorten payment cycles are often eligible for an early payoff incentive to help fund what’s next.
Funds that flex
Capital can be used to fund a variety of business needs from everyday operations to securing growth opportunities.
SBA Lending
SBA LOANS COME IN SEVERAL VARIETIES
Compare SBA loan options and benefits
For many small business owners, trying to get financing for various operational expenses can be a challenge. Banks and other traditional lenders can have very rigid rules and guidelines for underwriting loans, they may have limited options and can be wary of providing funding to new, yet to be proven companies.
Fortunately, there is an alternative. The Small Business Administration (SBA) is committed to helping entrepreneurs get the money you need to keep your enterprise running smoothly. Although the SBA doesn’t provide financing directly, it does guarantee the value of your loan, making lenders more likely to provide funding. By working with us, you can get insight into how to apply for and receive SBA financing, which loan is right for you, and what to expect in the process. We’ll show you the best options for your business so you can move forward on your terms.
SBA 7(a) business loan:
Government-backed term loan for the acquisition or expansion of a small business.
Key benefits;
Loan amounts up to $5 million
Terms up to 10 years for business acquisition, equipment or tenant improvement
Terms up to 10 years for working capital and inventory
Flexible collateral options
Ideal for:
Business acquisition, partner buyout and partial buy-in
Equipment
Debt refinance, working capital and inventory
Tenant improvement
For-profit businesses
SBA 7(a) real estate loan*
Government-backed term loan for the purchase, refinance or construction of commercial real estate. Key benefits:
Loan amounts up to $5 million
Terms up to 25 years
Fully amortized, no balloon payments
Ideal for:
Owner-user commercial real estate purchase
Expansion
Refinance or construction
For-profit businesses
SBA Loans can be useful for: Business Acquisition, Inventory, Real Estate, Equipment, and more.
Many businesses may be acquired with SBA backed loans. Typically, you’ll need to show at least two years of sales, profits, tax, and operational history. Also, you’ll have to illustrate how the acquisition will improve your market outlook. SBA Loans can take some time and come with many demands for documentation, but they can be worth the effort for the terms. We can help to guide you and to reduce the complications that SBA loans can often come with on the front-end.
SBA Real Estate Loan/Owner-Occupied Commercial Real Estate
Owning the commercial real estate your business occupies, can be a very savvy and useful move for your business, especially in the longer term. You can achieve stable rates and payments, while inflation increases cause your payment to feel relatively ‘cheaper’. Even if your company is not in the Real Estate business there are many benefits to owning your building, including eventually owning it outright, having it available as an asset that be used for needed funding, perhaps even rented if your business moves into a different space, and it can greatly increase the value of your business should you ever decide to sell it. Not only can you expand your operations more quickly, but you can build equity that you can leverage in the future.
Commercial real estate loans from the SBA can help you finance the right property for your business. You can also rent some of your space to assist in cash flow or to help pay off your mortgage. In those cases, these properties have to be “business owner-occupied,” meaning that you have to operate in at least 51-percent of the space. Call us to find out more about these loan opportunities.
SBA 504 real estate loan
Government-backed term loan for the purchase, refinance or construction of commercial real estate.
Key benefits:
Loan amounts up to $15 million**
Terms to 25 years
Equipment loan terms 10 years
Best for:
Owner-user commercial real estate purchase
Refinance
Construction
For-profit businesses
Dream it
•
Fund it
•
Build it
•
Grow it
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Dream it • Fund it • Build it • Grow it |
Our streamlined process can make applying and receiving your funds QUICK and EASY, and right from YOUR office.
Apply On-Line
Just so you know…
U.S. Based
We are based right here in the U.S. We don’t use call centers, or people that answer the phones but have no real ability or answers for you. When you speak with us you get a knowledgeable pro, EVERY TIME.
We are the perfect size to have MANY options for you, AND the perfect size to care about each client and each deal.
Every client is important us; YOUR success is OUR success.
We Don’t Sell Your Info
We don’t ‘pipeline’ you, or drag info out of you over several pages of questions, then force you to commit your email and phone, only to sell it off to ten no-name companies that will bombard you with messages and calls. WE DON’T DO THAT!
So, when you apply please be complete and know that you are working with US and NOT and army of robots. We will work diligently to find the right lending product for you with the right terms to fit YOUR needs, now!
Get a Pro, NOT a Call Center
Our service is FUNDING business through great service that is both FAST and transparent.
We DO NOT generate income by selling leads to others, that just isn’t what we do. We provide funding and strive to it GREAT, each time.
Funding Co’s Like US vs. BIG Banks
When you apply with us, we can offer products from hundreds of lenders, and after learning about you we can usually recommend one that is a great fit for YOUR needs.
Banks can be very SLOW, STRINGENT with requirements, and often NOT FLEXIBLE at all. You can find yourself in a never ending request for documents, AND you can wind up in ‘loan by committee’, only to get DECLINED. Ouch.
If a bank DECLINES a loan, which they do MOST often, you are back to SQUARE ONE. You will have to start over at a totally different place with perhaps a new set of fees and credit pulls. (70%-90% of business applicants are declined at large banks.)
A large bank sells their products and specialties, that’s it. If you don’t fit those for some reason, they DECLINE.
As an independent funding company, not only can we move FAST, we can switch gears, we can move to different products, different lenders, or a totally different lending program or approach. We/YOU are not restricted by ‘loan by committee’, or by a very narrow array of choices offered by most banks.
If there is a way to get your deal done, we WILL get it done!
Contact Us
Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!