Calculate Your Estimated Loan
Small Business Administration Loan
A small business loan provided by our SBA approved lending partners. This program ensures each loan is partially guaranteed by the U.S. Small Business Administration rather than the full liability falling on the lender. This allows qualified clients to secure capital at extremely favorable terms including bank rate interest, multi-year repayment, monthly pay-down structures and much more. We are licensed to work directly with the SBA approved lenders to offer personalized underwriting and guidance throughout the loan process.
Overview
Typical Uses
Start Up Costs
Equipment
Cash Flow Management
Real Estate
Business Acquisitions
Debt Refinancing
Different Types
SBA 7(a)
SBA 504 (fixed asset)
SBA Express
Document Requirements
Business Formation Documents
Business Tax Returns (last 2 years)
Year To Date P&L Statement
Current Balance Sheet
Cash Flow Projections
Business Bank Statements (last 12)
Owner Financials
Proof Of Ownership
Loan Specific Documentation (if applies)
Personal Guarantee
Terms Structure
Loan Size
Term Length
Interest Rate
Closing
Cost
Time To
Closing
Required
Credit
Collateral
Requirements
7(a): $150k ~ $5m
504 ~ $250k ~ $10m
Express ~ $25k ~ $500k
7(a): 7 ~ 10 years
504 ~ 10 ~ 25 years
Express ~ 7 ~ 10 years
All options start at
Wall Street Journal Prime
plus a varying spread.
​
Current WSJP: 6.75%
Spread Cap: 1% ~ 5%
​
2% ~ 5%
7(a): 6 ~ 8 weeks
504 ~ 8 ~ 12 weeks
Express ~ 2 ~ 4 weeks
7(a): 700+
504 ~ 700+
Express ~ 690+
7(a) & Express: Not required, but often necessary for weaker files or larger loans
​
504: Required as this is an asset based program
Repayment
Schedule
Monthly