SBA Loan Program

We have been designated as a Preferred Financial Services company by private, non-bank SBA lenders to have loans processed more quickly and efficiently than all others.
There are a number of advantages to an SBA loan including lower down payments, longer terms, no points and no balloon payments.

Who is eligible for an SBA loan?

Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.

SBA 7(A) Loan Size $500,000 – $5 Million

Use Of Proceeds

  • Commercial real estate (purchases, construction, or refinance)
  • Leasehold improvements
  • Business expansions
  • Machinery, equipment, furniture or fixtures
  • Business acquisition
  • Working capital (offered in conjunction with some of the above)
  • Start-ups (ALL Franchises, Motels, Restaurants Gas Stations and C-Stores)

Other Credits and Considerations

  • Business must have adequate historic cash flow to cover the proposed debt
  • Business debt to net worth must meet industry averages
  • Borrowers must be actively involved in the day-to-day operation of the business
  • Satisfactory personal credit histories are required for all principles and guarantors
  • No past bankruptcies or felony arrests