Direct Lending Program

SBA 7(a) Business Loans

Access preferred SBA 7(a) financing for specialized needs such as purchasing or starting a business, or tap into SBA International Trade Loan (ITL) financing for enhanced benefits under the "Grocery Guarantee" and "Made in America" programs.

Program Highlights

Decades of SBA lending experience allows us to deliver creative and flexible solutions when other lenders cannot.

$150,000 to $5 Million

Substantial loan amounts available

Nationwide Financing

Available in all 50 states

680 Credit Minimum

Reasonable credit requirements

Interest Rates From Prime + 2%

Competitive SBA rates

Startup Financing Available

New business friendly

Monthly Loan Payments

Predictable payment schedule

Up to 25-Year Loan Terms

Extended repayment periods

Streamlined Underwriting

Efficient approval process

Most Industries Considered

Flexible industry eligibility

No Prepay Penalty Options

Pay off early without fees

SBA 7(a) Loan Uses

Business Acquisition

Purchase an existing business with favorable SBA terms and lower down payment requirements.

  • • Buy an established business
  • • Partner buyouts
  • • Franchise acquisitions

Startup Financing

Launch your new business with SBA-backed startup financing and expert guidance.

  • • New business launch
  • • Initial inventory & equipment
  • • Working capital needs

Commercial Real Estate

Purchase or refinance commercial property for your business operations.

  • • Owner-occupied property
  • • Construction financing
  • • Building improvements

International Trade (ITL)

Enhanced benefits for businesses supporting America's food supply chain and small manufacturers.

  • • Grocery Guarantee program
  • • Made in America program
  • • Export financing

Debt Refinancing

Consolidate existing business debt into one affordable monthly payment.

  • • Lower interest rates
  • • Extended terms
  • • Improved cash flow

Working Capital

Fund day-to-day operations and growth initiatives with flexible working capital.

  • • Inventory purchases
  • • Hiring & payroll
  • • Marketing & expansion

Documentation Requirements

SBA 7(a) loans are cash-flow based and require full documentation. The following items are typically required:

Business Documents

  • • Business tax returns (3 years)
  • • Business financial statements
  • • Business plan (for startups)
  • • Business licenses & permits

Personal Documents

  • • Personal tax returns (3 years)
  • • Personal financial statement
  • • Resume/experience documentation
  • • Government-issued ID

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