SBA Loans
This gives small businesses access to reliable, long-term financing to support growth, manage operations, or invest in new opportunities.
Best for:
➥ Short-term cash flow gaps
➥ Covering payroll, seasonal fluctuations, or inventory purchases
➥ Unexpected expenses or emergency costs
➥ Bridging the gap between invoicing and payment
➥ Taking advantage of short-term opportunities without taking on a large loan
What Are SBA Loans?
SBA (Small Business Administration) loans are government-backed loans designed to help small businesses access capital that might otherwise be hard to get. With the SBA guaranteeing a portion of the loan, lenders can provide businesses with:
‣ Larger loan amounts than typical small business loans
‣ Longer repayment terms for easier cash flow management
‣ Competitive interest rates compared to conventional financing
SBA loans are highly versatile and can be used for a range of business purposes, including expansion, purchasing equipment, acquiring real estate, or boosting working capital. They are ideal for businesses looking for stable, predictable funding without taking on high-interest debt.
SBA Loan Programs
‣ 7(a) Loan Program – The most common SBA loan, ideal for working capital, expansion, or equipment purchases. Offers flexible terms and funding amounts based on business needs.
‣ 504 Loan Program – Designed for long-term financing of fixed assets, such as real estate or large equipment. Often used for business expansion or major capital projects.
‣ Microloans – Smaller loans, typically under $50,000, aimed at startups or smaller businesses. Perfect for purchasing inventory, equipment, or bridging short-term cash flow gaps.
Each program comes with specific eligibility criteria, funding limits, and application requirements, so businesses can choose the option that best fits their growth strategy.
Eligibility Criteria
✓ Minimum monthly revenue of $50,000
✓ An active business bank account
✓ In business for at least 1 year.
✓ Completed online application form
✓ Active business with invoice history
Required Documents
✓ Signed application
✓ Last 6 months of business bank statements
✓ Purchase Orders/Contracts/MSA
✓ Personal Tax Returns - Last 3 Years
✓ Personal Financial Statement
APPLICATION PROCESS
Step 1 – Apply Online
Submit the secure form with
required documents.
Step 2 – Review
We assess your application
and funding options.
Step 3 – Terms Call
A funding specialist calls to
confirm terms.
