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All Information is Confidential and Secure

Get Approved for SBA Loans, $500K to $14 Million

The process of securing a low cost, long term SBA loan by yourself can be incredibly time-consuming and frustrating. We're here to help by doing all the work for you.

*Note: Commercial property loan term is 25 years.

If your credit score is 700 or higher and you need $500,000 or more for your business, prequalify now!

We've helped small business owners secure over $500 Million for their businesses, and we know from experience that a qualified SBA loan applicant may still fail to get approved because of issues with the application than the business' ability to pay back the loan.


Spending all the time and energy to put together a lengthy loan application only to be rejected is a discouraging experience, not to mention the time lost as you have to start the process all over again.


Let us spare you from the risk and the stress--- you get to work undistracted on your business while we match you with a bank that can offer you terms that are acceptable to you. 


Get pre-qualified today. It takes under 5 minutes and won't affect your credit score.

SBA Funding is Committed to Your Success!

We'll do all the heavy lifting for you, from preparing loan documents to distribution to our network of over 50 banks who want the opportunity to serve you.

We'll Do All the Work

Our success rate is one of the highest in the industry. We have been doing this long enough to know what it takes to get the banks to say "YES" to your application.

95% Success Rate

It only takes 2 to 3 days for our team to complete a thorough and extensive pre-approval process that starts immediately after receiving your documents.

Quick Loan Process

Unbeatable rates at prime plus 2.75% for working capital loans up to $5 million, and prime plus 2.25% for real estate loans up to $14 million, 10-25 years to pay.

Best Rates & Term

Our Funding Process

Our process begins with a simple 5 minute phone call from one of our highly-trained loan specialists.

*SBA funding is not affiliated with the U.S. Small Business Administration. We are a packager that helps expedite and process SBA loans.

SBA Funding is one of the country’s leading SBA loan packaging, placement and consulting firms. Our easy 1, 2, 3 systematized funding process and access to our network of participating banks helps ensure timely financing for your business.

Get pre-qualified via a quick phone call.

Submit required financial documents.

Financial documents are analyzed.

Sign our retainer agreement.

Your loan request is placed at one of our 50+ banks.

Bank approves your SBA Loan.

Collect closing items.

Fund the SBA Loan.

8 Steps to Success

The SBA Program

As a small business owner, you might have heard of SBA loans and wondered if it’s right for you. Learn about the SBA, SBA loans, how to get approved and how to avoid the pitfalls of the loan process.

SBA Loans for Small Businesses are great low-cost long term capital for your business growth and expansion.

What is the SBA?

SBA – the U.S. Small Business Administration – is an independent federal government agency created to aid, counsel, assist, and protect the interests of small business concerns, to preserve free competitive enterprise, and to maintain and strengthen the overall economy.

  1. The SBA offers a variety of loan programs to small businesses – including general small business loans, microloans, real estate & equipment loans, and disaster loans.
  2. The SBA itself does not lend to businesses. It sets the guidelines for loans and guarantees that these loans will be repaid. The loans are then made by its partners – including banks, community development organizations, and micro lending institutions.
  3. When you apply for an SBA loan, you’re actually applying for a commercial loan structured according to the SBA requirements with an SBA guaranty.
  4. Lenders are willing to offer the loans at a reduced interest rate because of the SBA guaranty.
  5. Conventional loans can have high interest rates, sometimes as high as 15% and stringent loan requirements. The SBA sets interest rate for their loans at prime plus 2.75% for working capital and prime plus 2.25% for real estate. Conventional loans are often limited to 5 year terms. SBA loans are from 10- to 25-years.


Who Qualifies For an SBA Loan?

  1. The SBA defines a small business by its gross sales amount among other definitions, for all for-profit industries. The numeric values vary to reflect industry differences and are revised periodically to stay in line with the economy.
  2. Typically, if your small business earns less than $5 million annually after tax profits, you qualify to apply.
  3. Good credit history and healthy cash flow are also key qualification factors.


What Do I Need To Submit To Get An SBA Loan?

  1. Three years of business tax returns
  2. Current year-to-date interim financials
  3. Three years of personal tax returns
  4. Articles of business formation/incorporation
  5. Credit authorization form
  6. Business History
  7. Debt Schedule (if applicable)
  8. Equipment list (if applicable)
  9. Real Estate Schedule (if applicable)
  10. Personal Financial Statement (Form 413)

Any missing or incomplete documentation could slow down the process or cause the rejection of your SBA loan application altogether.


How Does the SBA Loan Application Process Work?

Finding A Local Lender: Even though SBA guarantees your loan, you still need to find a local lender, e.g. a bank, to kick-start the process.You can visit your local SBA District Office to help identify a few SBA lenders in your area that may be a good fit for you.


Different banks offer different terms and rates, even for SBA loans, so you may need to speak to quite a few banks in order to find the best option for your unique business needs.


Application: Next, you need to complete your SBA loan application and prepare for your meeting with the bank.


Factors Considered By The Bank: Debt payments, cash flow projections, debt-to-worth ratio, good standing with your state treasury and the IRS, collateral, and working capital. Supporting documentation is critical.


Business Plan: Part of the review process by the bank includes having a well prepared business plan with at least three years of financial projections, an overview of how you plan to utilize the loan funds, and a solid understanding of your industry and market.


What Are the Pitfalls?

Spending all the time and energy to put together a lengthy loan application only to be rejected can be a very frustrating and discouraging experience, not to mention the time lost as you have to start the process all over again.


Make sure you do your due diligence to avoid the following pitfalls:


Incomplete Documentation: Make sure you gather all the required documentations before you submit your application. Any missing item could delay your application process or disqualify your application.


Errors In The Application: The application form requires in-depth information and can be complicated. Errors, even made unintentionally, can cause the bank to dismiss your application.


Failure To Adhere To Rules And Regulations: The SBA has over 400 pages of rules and regulations for its loan programs so make sure you don’t overlook these important guidelines.


Applying For The Wrong Loan Program: The SBA offers a variety of loan programs so make sure you pick the best option for your unique business needs.


Choosing The Wrong Lender: If you don’t take the time to shop around and speak to a good number of banks or financial institutions, you may not get the best rate or payment terms for your loan.


If your application is denied by one bank, you will have to start the process over again so make sure you follow all the guidelines and submit all required materials.

Testimonials

2 years ago I took a $100 thousand loan to grow my small law practice. I have now arranged through SBA Funding over $25 million in SBA and non-SBA long term loans.

I had tried for a year to get a SBA loan through banks. SBA Funding helped me get a $500 thousand 10 year loan in 7 weeks from meeting them. 

My loan with SBA Loan Group had technical SBA requirements issues. They solved all the issues and I received a $1.5 million loan to acquire a competitor. 

Susan B.

Michelle G.

Steven T.

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