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SBA Loans

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Advantages

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SBA offers second-chance loans

Minority and women-owned businesses qualify

Low down payment minimums

Federal cap on interest rates

Unlocking Growth

Lending Overview

The Small Business Administration works nationally to provide loans to underserved businesses in the country. Minority-owned, women-owned, and businesses that have trouble qualifying elsewhere often find support from the SBA. The Administration acts as a guarantor on private loans so that lenders feel confident lending to small businesses. SBA loans aren’t available directly from the SBA, so the best way to find one is through a broker. The SBA 7a and 504 loans are the most popular, although the SBA offers a range of financing options. Loans can be used for real estate, business buy-outs, working capital, equipment, refinancing, renovations, and more. Interest rates are fixed or variable, depending on the option you choose. Interest rates are capped by the SBA at just over Prime, so you’ll never have to pay outrageous rates. Find out what the SBA can do for you by working with our professional brokers.

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Maximizing Benefit

How to Effectively
Apply Funds

SBA loans work for a range of small business needs, but are most commonly used to fund real estate, equipment, and working capital. To qualify, the business must be for-profit and have less than $5M in net annual revenue. Some restrictions on business type also apply, so be sure to check with your broker before submitting an application. SBA 7a loans are approved through private lenders, but SBA 504 loans are structured differently, with a percentage of the funding coming from a bank, a percentage from a specialized non-profit agency, and a small investment from the borrower. To find out how you can get $5.5M or more in small business financing, speak with our brokers.

Tailored Financing to Fuel Your Business Expansion

Strategic SBA Lending Services

Real Estate

Whether you want to buy property or combine it with a business acquisition, an SBA loan can help. Loans are available for small businesses with 10, 20, and 25-year terms with a 10% minimum down payment. Buy your next commercial property with help from the SBA’s 504 and 7a loan programs.

Equipment

Expensive equipment can be a barrier for small businesses, but an SBA loan cuts the upfront cost of equipment into manageable payments. Get a low-interest rate loan for the equipment you need with a low minimum down payment and low credit score requirement. Ask your broker for more information.

Working Capital

The SBA 7a loan lets you combine real estate funding with working capital, making it ideal for renovate and resale projects. For other working capital needs, you can find a 5-7 year SBA loan that lets you apply funds anywhere your business needs it most. Let your broker show you the options.

Our Expertise

FAQ

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Q. How much will an SBA loan give you?
The answer depends on the type of loan you choose. For most borrowers, SBA 7a loans max out at $5.5M, but there are some exceptions that will allow you to borrow more. SBA 504 loans can offer more funding, since the SBA’s contribution makes up only a portion of the loan. For an accurate amount, speak with a qualified broker who can show you all the available options and help you choose the one that works best for you and your business.
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Q. What is the SBA?
The U.S. Small Business Administration is a federal agency designed to support the interest of small businesses. They provide loan guarantees, training programs and more so that small businesses can create jobs in their local economies. The SBA works with old and new businesses with $15M or less in net annual assets.
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Q. Why get a loan through the SBA?
Small businesses face challenges from traditional lenders for many reasons. Those reasons may not even have to do with the small business itself, simply the risk for the lender in general. When a small business is turned down by other lenders, the SBA comes through with affordable financing that’s easier to qualify for.
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Q. Do I need collateral for an SBA loan?
The answer depends on how much you want to borrow. As a general rule, loans under $25K don’t require collateral. Any loan over $350K requires the lender to collateralize up to the value of the loan. However, the lender on the loan may have additional requirements. Speak with a broker to learn more.