SBA
LOANS
SBA helps small businesses get loans
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The U.S. Small Business Administration (SBA) helps small businesses obtain funding through different types of loans. SBA backs traditional loans made by banks. For small businesses that need funding, SBA works with lenders to provide loans. We do not lend money directly to small business owners, unless the business is located in a declared disaster area. Instead, we set guidelines for loans made by our partnering lenders, community development organizations, and micro-lending institutions. SBA reduces risk for lenders, which makes it easier for small businesses to get loans.
Benefits of SBA-guaranteed loans
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Competitive terms: SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.
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Counseling and education: Some loans come with continued support to help you start and run your business.
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Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans.
Stay safe
Protect yourself from predatory lenders by looking for warning signs. Some lenders impose unfair and abusive terms on borrowers through deception and coercion. Watch out for interest rates that are significantly higher than competitors’ rates, or fees that are more than five percent of the loan value. Make sure the lender discloses the annual percentage rate and full payment schedule. A lender should never ask you to lie on paperwork or leave signature boxes blank. Don’t get pressured into taking a loan. Survey competing offers and consider speaking with a financial planner, accountant, or attorney before signing for your next loan.
3 Simple Steps to Fund Your Small Business
CONSULTATION
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We start with a one-on-one consultation to understand your goals, property or business needs, and funding objectives.
DOCUMENTATION COLLECTION & LENDER MATCHING
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Next, we guide you through gathering the required documents and match you with the right lender program based on your unique scenario.
APPROVAL & CLOSING
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Once approved, we support you through the closing process, ensuring a smooth experience from start to finish.
*DEPENDING ON LOAN TYPE
*AFTER APPLICATION ACCEPTANCE
Trusted Lending Expertise
With access to a nationwide network of mortgage lenders, banks, SBA lenders, and specialty financing partners, we identify the best funding options tailored to your unique situation.
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Personalized Service
We take time to understand your goals and guide you step-by-step through the process. Expect clear answers, reliable support, and funding solutions designed around your needs.
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Financing That Grows With You