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SBA Loans
Build, Buy, or Expand Your Business with the Right Financing
Our team helps business owners access SBA, USDA, and conventional commercial loans designed to support real growth, even if your situation is not perfect.
If you have been told “no,” we specialize in structuring deals the right way to give you a real path forward.
What You Can Use These Loans For
Use These Loans For
• Purchasing a business
• Starting a new business
• Buying commercial real estate
• Expanding operations
• Equipment and working capital
• Refinancing existing business debt
• Starting a new business
• Buying commercial real estate
• Expanding operations
• Equipment and working capital
• Refinancing existing business debt
These programs are designed for business owners who are ready to grow, not just those with perfect files.
SBA Loan Eligibility & Requirements
To qualify for most SBA loan programs, you should meet the following:
• For-profit business operating in the United States
• Minimum credit score around 640+
• Ability to demonstrate repayment (income or projections)
• Clean personal and business credit history
• 10% minimum down payment for startups or ownership changes over $350,000
• Personal guarantee required for owners with 20% or more ownership
• Collateral required when available
• Minimum credit score around 640+
• Ability to demonstrate repayment (income or projections)
• Clean personal and business credit history
• 10% minimum down payment for startups or ownership changes over $350,000
• Personal guarantee required for owners with 20% or more ownership
• Collateral required when available
If you are close but not perfect, we still encourage you to reach out. Structure matters more than perfection.
What We Evaluate
Our team does not just look at your credit score. We take a full-picture approach, including:
• Strength of your business or business plan
• Cash flow and financial projections
• Available collateral
• Industry experience and background
• Cash flow and financial projections
• Available collateral
• Industry experience and background
Our role is to position your file correctly and present it in a way lenders understand.
Required Documentation
To get started, most lenders will require:
• Personal and business tax returns
• Personal financial statement (for 20%+ owners)
• Profit and loss statement
• Business debt schedule
• Business plan (for startups or acquisitions)
• Personal financial statement (for 20%+ owners)
• Profit and loss statement
• Business debt schedule
• Business plan (for startups or acquisitions)
Being prepared helps us move faster and position your deal more effectively.
Loan Options Available
Through our lending partners, we offer:
• SBA Loans
• USDA Business Loans
• Conventional Commercial Loans
• Bridge Loans
• Construction Financing
• USDA Business Loans
• Conventional Commercial Loans
• Bridge Loans
• Construction Financing
We work with a wide range of borrowers, including those with complex income or unique situations.
Why Work With Our Team
Most lenders look for reasons to decline a file.
Our team looks for ways to structure approvals.
We are built on real, front-line lending experience. We understand both the borrower and the process, and we guide our clients every step of the way with clear communication and strategy.