SBA Express Loan

SBA Express loans for $100,000 – $500,000 can be used for:

  • Debt refinance
  • Purchase equipment
  • Purchase real estate
  • Business acquisitions
  • Partner buyouts
  • Working capital
  • Leasehold improvements
  • Expansions
  • Start ups

You get great rates, long repayment terms, and low monthly payments with SBA loans.

NOTE: This online SBA Loan offer is targeted at loans in the $100k to $500k range.

  • We also have SBA 7a loans up to $7.5 million, and
  • SBA 504 loans for Real Estate up to $12.0 million.
  • Contact Us for those larger loan amounts.   We can get those in place quickly.

SBA loan general eligibility

  • Under this offer, we focus on Experience, Cash Flow and Credit
  • Yes, collateral is important but this SBA loan offer is Cash Flow centric, not collateral centric
  • Business Acquisitions often involve goodwill. Banks have difficulty lending on goodwill as they can’t collateralize it. This loan recognizes goodwill valuations.

SBA Loan Advantages:

  1. Preserve the Borrowers working capital.
  2. Only requires 10% for a start-up, business acquisition or the purchase of commercial real estate
    • Many banks still require an injection of 20%, 25% or even 30%
  3. Provides longer repayment terms.
    • The longer the term, the lower the payments and this further preserves working capital and enhances cash flow.
  4. SBA loans feature terms of 10 years for working capital, equipment and 25 years for CRE.
    • Many bank terms are 5 years and 20 years respectively.

Credit (for individuals providing a guarantee)

  • Good personal credit – minimum personal credit of FICO 640
  • No bankruptcy in the previous 3 years
  • Not currently involved in any active lawsuit, litigation, or divorce

Apply Now:

If you meet the above minimum requirements CLICK HERE to get the application. It is easy to complete. Email the completed application to us at [email protected] or call and let’s talk it over.

MicroLoans

We also have SBA Microloans available for $15,000 – $50,000

CLICK HERE and follow those directions for document prep.  An SBA Micro Loan funds quickly after all the documents are collected.

Other Funding Options:

Business Loan

Commercial Real Estate Financing

We will work with you to find the SBA financing or other loan type that works for you. We look forward to speaking with you!

Contact info:

571-212-5179
email:  [email protected]