SBA Loan Program
SBA Loan Program
As a designated Preferred Financial Services company with SBA lenders, we process loans more quickly and efficiently than many other providers. We specialize in helping small businesses access government-backed financing with favorable terms.
Why Choose SBA Loans?
SBA-guaranteed loans offer significant advantages over conventional financing for small businesses.
Longer Terms
Extended repayment periods reduce monthly payments
No Points
Lower upfront costs for borrowers
No Balloon Payments
Predictable payments throughout the loan term
Government Backing
Lower risk for lenders, better rates for you
Who is Eligible?
Most for-profit small businesses qualify for SBA-guaranteed loans, including:
- Manufacturers
- Wholesale Businesses
- Retail Operations
- Service Companies
- Independent Businesses
- Franchise Operations
Note: Eligibility is based on business size standards, ability to repay, and a sound business purpose.
Loan Program Details
Loan Qualifications
| Business Type | Eligibility Criteria |
|---|---|
| Retail & Service | 3-year average sales not exceeding $6M - $20M (industry dependent) |
| Wholesale | Up to 100 employees (regardless of sales volume) |
| Manufacturing | Up to 500 employees (industry dependent, regardless of sales) |
| SBA 7(A) Loan Size | $10 Million to $850 Million |
Loan Fees
Loan Packaging Fee
Based on loan size; collected at submission. Fully refunded if declined by credit.
SBA Guaranty Fee
Based on loan amount; this fee can be financed into the loan.
How You Can Use SBA Loan Proceeds
Commercial Real Estate
Purchase, construction, or refinance of business property
Machinery & Equipment
Purchase of equipment, furniture, or fixtures
Business Expansion
Leasehold improvements and facility expansions
Business Acquisition
Purchase of existing businesses
Working Capital
Operational funds (often combined with other uses)
Start-up Financing
For franchises, motels, restaurants, gas stations, and C-stores
Credit Considerations
To qualify for an SBA loan, your business must meet these additional criteria:
Cash Flow & Debt
- Adequate historic cash flow to cover proposed debt
- Business debt-to-net-worth meeting industry averages
Personal Requirements
- Principals must be actively involved in day-to-day operations
- Satisfactory personal credit history for all principals and guarantors
Important Exclusions
No past bankruptcies or felony arrests for principals or guarantors
Start Your SBA Loan Application Today
Our team of SBA specialists is ready to guide you through the process and help you secure the financing your business needs to grow.
Preferred Lender Status: Our designation allows for faster processing and more efficient loan approval compared to non-preferred lenders.