Providing access to loans with industry-leading SBA and alternative small business financing. We’re dedicated to matching small business owners with big financing options from lenders and loan products that provide real value at reasonable costs.
It isn’t unusual for small business owners to be led astray by brokers or lenders who simply want to make more money off of each transaction, so we’ve stepped in to provide unbiased, completely tailored advisory services, combined with exceptional educational materials on small business finance.
Small business loans with big financing options.
We aim to give entrepreneurs and business owners the confidence and knowledge they need to acquire the financing or refinancing they deserve for their small business.
While we specialize in SBA financing, our team has access to many alternatives when it comes to business financing sources, so rest assured that no matter what a borrower needs, we have them covered.
Small Business Administration Loans – insured financing
It is in the very mission statement of the Small Business Administration to help Americans start, build, and grow businesses. The Small Business Administration is tasked with aiding, counseling, assisting, and protecting the interests of small business concerns, preserving free competitive enterprise, and maintaining and strengthening the overall economy of our nation. To that end, when small business owners and entrepreneurs of all industries need to seek financial assistance or supplemental funding to help grow their business, one of the best ways to secure that funding is with an SBA loan. The SBA sets guidelines and works closely with lenders in order to secure loans for small business owners. They do not originate or service these loans. Instead, they guarantee the funding amount in order to minimize the risk to the lender, which in turn makes obtaining flexible financing much easier for small business owners.
Small Business Administration loans have no minimum, and can accomodate loan amounts as high as $5.5 million. Loan proceeds can be utilized for most business purposes, including operating capital and long-term fixed assets. Impressively, there are multiple loan products under the SBA umbrella to choose from, so no matter what the need is, there is more than likely an SBA- guaranteed product that will benefit your business. SBA loans are available to most small businesses with a few easy to remember requirements. Any business seeking SBA financing must be a for-profit company, must be located in and conduct business in the United States, must have owner-invested equity, and must not get funds from any other financial lender. As with any other business financing, the business size, the ability to repay, and the purpose of the business is also taken into consideration.
SBA (7)(a) loans
The SBA (7)(a) Loan is the flagship loan product of the entire SBA financing umbrella. SBA(7)(a) loans can be utilized for funding of up to $5 million and have a term length of up to 25 years depending on the loan purpose. They can be used for working capital, equipment, buying a business or franchise, refinancing debt, and/or purchasing real estate. Of course, your SBA lender will have their own criteria about how to use the proceeds from the SBA 7(a) loan you choose. Different financial institutions may have more or less stringent requirements for how you can use the loan. That is why it is important to find an SBA lender who can provide an SBA (7)(a) loan that best suits the specific needs of your business. Our experts are highly experienced in working with SBA lenders to match borrowers with the lenders and loan products that they need.
SBA 504 loans
Small business owners and entrepreneurs alike often reach a point where it becomes necessary to purchase real estate in order to maintain or even expand their business. When it comes to financing a purchase of this sort, the SBA has business owners covered. The standard SBA (7)(a) loan, among its many uses, can be utilized for a commercial real estate purchase, but the SBA 504 loan was designed from the ground up for this exact purpose. The 504 loan program, provides low-interest, long-term, fully amortizing commercial real estate loans of up to $5 million for eligible borrowers. While SBA 504 loans cannot be used for acquiring apartment buildings, they are available for commercial, owner-occupied properties such as daycares, hotels, office buildings, retail buildings, and more. SBA 504 borrowers have the option of either a 10-year or 20-year maturity term.
SBA express loans
The tedious process typically associated with obtaining funding for a small business is enough to keep many business owners from ever applying. Still, that doesn’t mean that situations don’t arise in which a small business owner needs an injection of capital on short notice. To that end, SBA Express loans are a simple way to receive expedited, amortized, government-guaranteed financing for your small business. Entrepreneurs can be funded up to $350,000 of capital in the form of either a term loan or line of credit. Once the funds are made available, the owner has very few restrictions as to what it can be used for. Even so, the true value of an SBA Express loan lies not only in the remarkably fast turnaround time for approval but also in the willingness of lenders to advance funds, due to the SBA’s guarantee of 50% of the loan amount. Unlike the SBA (7)(a) loan, the Express loan sets itself apart by being approved or denied within 36 hours.
Services available through strategic partnerships
Small business owners have a need for a reliable source of funding to be utilized for payroll. Meeting payroll requirements every week for a small business can be a challenge, and even more so for a start-up. Payroll funding loans provide small business owners with the capital they need in order to compensate long term employees or temporary staff. Businesses that collect payment via contracts and new businesses with a low customer base find these loans particularly useful for those unforeseen moments when capital runs low. While most other expenses can be delayed or dealt with in creative ways, payroll is crucial to employee retention, happiness, and overall survival.
Accounts receivable financing
Outstanding invoices can be the bane of any business, but many small businesses simply do not have the capital reserved to persevere through these periods. With accounts receivable financing, small business owners can structure an asset sale or loan agreement in order to receive an injection of capital correlating to a portion of its accounts receivable. This allows businesses to stay ahead of the curve or avoid running into capital chokepoints by receiving early payment on outstanding invoices. The invoices are typically put up or “committed” as collateral for the funding amount.
Services available on a selective & exclusive basis from $50,000 & up include
Accounts receivable financing
Lines of credit
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$10K plus Monthly Gross Income – $120K annual plus Required