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SBA
LOANS

SBA helps small businesses get loans

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.

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Benefits of SBA-guaranteed loans

  • Competitive terms: SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.

  • Counseling and education: Some loans come with continued support to help you start and run your business.

  • 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

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CONTACT YOUR ACCOUNT

MANAGER

 

Your dedicated account manager gets in touch to work with you on your personalized funding request.

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COMPLETE YOUR

APPLICATION

 

Your account manager will guide you through your application process.

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FUNDING RELEASED

WITHIN 24HRS - 72HRS*

 

We send your funds straight to your account. 

*DEPENDING ON LOAN TYPE   

*AFTER APPLICATION ACCEPTANCE

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FUNDING IN AS LITTLE AS 24 HOURS

 

Complete a funding request form within minutes. Once your application is approved, your funds are released within 24 -72 hrs Depending on loan type.

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PERSONALIZED SERVICE

 

Our dedicated team is here to guide you through the entire process and answer any questions you might have. We are committed to helping you get the best funding solution for your business.

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PLANS EVOLVE WITH YOUR BUSINESS

Your offer will be personalized to fit your unique business needs. As your small business evolves, so can your plan. Access to additional working capital is just a call a way.

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