Business Loans Designed With Your Needs and Goals in Mind

Are you considering getting an SBA guaranteed loan to expand your business?
You are at the right place. we can help!

Better Rates & Fees

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SBA-guaranteed loans generally have much lower rates and fees than non-guaranteed loans.

Lower Down Payments

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Lower down payments, less overhead requirements, and no collateral needed for some loans.

Small and Large Loans 

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Loans guaranteed by the SBA range from small to large and can be used for most business purposes

Loan Uses & Purposes

            From $30,000 to $5.5 million to fund your business

SBA loans range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital.

$30,000 to $350,000: Loans within these amounts can be used for: 

  • Operational Expenses
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    Refinancing of existing business debts
  • Equipment Purchases and Inventory
  • Hiring additional employees
  • bullseye
    Marketing and more

$500,000 - $5 million: Loans of this amount range can be used for:

  • Purchase or refinance of commercial real estate that is, at least, 51% owner-occupied.

Eligibility Requirements



These are the eligibility requirements to apply for a $30,000 to $350,000 SBA 7(a):

  • Time in business must be above 2 years
  • Business owner’s personal credit score must be above 650
  • The business must be U.S. based and owned by US citizen or Lawful Permanent Resident who is at least 21-years old
  • No outstanding tax liens
  • No bankruptcies or foreclosures in the past 3 years
  • No recent charge-offs or settlements
  • Current on government-related loans
SCHEDULE A FREE CONSULTATION

The eligibility requirements to apply for a $500,000 to $5,000,000 SBA 7(a) Commercial Real Estate Loan are:

  • Time in business must be above 2 years
  • The business owner’s personal credit score must be above 675
  • The real estate must be at least 51% owner-occupied - This means that at least 51% of the square footage of the property you’re buying must be occupied by and used by your business.
  • Sufficient business and personal cash flow to afford all payments, demonstrated by 3 years of tax returns and interim financial data
  • No delinquencies and/or defaults on government loans
  • If considering our rent replacement option, this requires a loan payment that does not exceed the current monthly lease expense

If You are looking for a commercial Real Estate Loan and think you would not qualify for an SBA 7(a) loan, we have many other great options available - From Conventional Commercial Loans to Private Capital Mortgage options.  Let us know your needs and what you are looking for by requesting your FREE quote:

Get your personalized QUOTE 


INTEREST RATES:

Interest rates for SBA 7(a) loans are variable and depend on the loan amount:

SBA 7(a) Working Capital and Debt Consolidation / Refinance

  • 7.50% (Prime Rate plus 2.75%) for loans $50,000 - $350,000*
  • 8.50% (Prime Rate plus 3.75%) for loans $30,000- $49,000*

*interest rate is variable and based on the Prime Rate plus 2.75% to 3.75%

SBA 7(a) Commercial Real Estate Loans

  • 6.25% to 7.50% (Prime Rate plus 1.50% to 2.75%) for loans $500,000 - $5 million*
*7-year fixed rate available only in Florida at Prime Rate plus 2% to 2.75%

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TALK TO ONE OF OUR BUSINESS LOAN SPECIALISTS AND EXPLORE THE POSSIBILITIES!

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