Small Business Administration (SBA) loans and funding offer versatile options to support your business’s growth.
SBA financing plays a crucial role in encouraging entrepreneurship, stimulating economic development, and empowering small businesses to succeed in a competitive marketplace.
SBA (Small Business Administration) loans are a type of funding designed to support small businesses across the United States, particularly those that may not qualify for traditional loans. While the SBA does not directly lend money, it guarantees a portion of the loan, reducing the lender’s risk and making it easier for small businesses to access financing.
These loans can be used for a variety of purposes, including working capital, equipment purchases, real estate acquisitions, and more.
Revenue-based financing is often appealing to businesses with fluctuating revenue or limited credit history. It offers a flexible and partnership-driven financing option, aligning the interests of both the business and the funder through repayments tied to revenue performance.
Weekly/daily remittances
Offers from $10k-$1M
Over 30,000 small businesses funded
An ideal option for small businesses with limited upfront capital.
Often includes competitive interest rates and manageable repayment schedules.
Allows businesses to pay off loans early without extra fees.
Timely repayments help establish and improve a strong credit profile.
SBAs offer financial assistance to small businesses through favorable terms, including low interest rates and extended repayment periods, to support growth and expansion.
Give us your basic business information…
…and we’ll provide your financing terms.
Same-day access to your funds upon approval.
An SBA loan or funding is often originated by an advisor who works directly with a bank and/or with the SBA. Once the SBA credit application is approved, a bank will provide the loan or funding but the SBA will guarantee a portion of it.
Pros
Cons
Every situation is unique, but there are minimum standards around business owner FICO, time in business, profitability, and business net worth. How the capital will be utilized will determine which program and exact requirements.
Assuming the requirements are met, this loan or funding will typically be a lower cost option and should be considered when there is time for the business owner before the closing and capital is required. Key issues that may prevent the business from accessing an SBA loan or funding are poor owner credit, too much existing debt, lack of collateral, prior bankruptcy or negative taxable income.
SBA loans offer several advantages, including lower interest rates, extended repayment terms, and more flexible qualification criteria compared to traditional bank loans. Businesses can use SBA financing for a wide range of purposes, such as launching new ventures, expanding operations, purchasing equipment or inventory, or refinancing existing debt.
Because SBA loans are partially guaranteed by the government, they pose less risk for lenders and increase small businesses’ access to capital.
