SBA Loans Overview


SBA Micro Loan

Ideal for borrowers who can't qualify for a traditional loan.

  • Can be used to purchase equipment
  • Inventory
  • Machinery
  • Working Capital
  • Improvements

  • Eligibility: Credit score of 560 or higher and business must show profit.
    *Funding Amounts: $5,000-$250,000

SBA 504 Real Estate Loan

Primary Purpose: Commercial Real Estate

Loan Require Participation of a bank, SBA, and CDC
  • This loan is not guaranteed by SBA
  • Bank is first on loan
  • Borrower must inject 10% - 15% of loan amount

  • Eligibility:
  • Credit score 680 or higher
  • Own more than 51% of commercial property

  • Funding Amount: $200,000-$5 Million

SBA 7a Loan

This SBA's signature loan, which most other loan programs such as micro loans are funded under.

  • Can be used to purchase equipment, inventory, machinery, working capital, leasehold improvements, acquisitions, building acquisitions, purchase commercial property under $600,000

  • Eligibility:
  • Strong personal credit (680+)
  • Up to 85% Total-project financing available depending on concept and use of funds
  • Industry experience
  • For profit business
  • Good Character
  • Profitable business
  • Collateralized with assets
  • Personal Guarantee

  • *Funding Amount: $50,000-$5MM

Export Express

It is the simplest export loan product offered by the SBA.

Loan proceeds may be used to enhance a company's export development, participate in foreign trade shows, support standby letters of credit and translate product literature for use in foreign markets, to finance specific export orders, expand production facilities, and purchase equipment inventory or real estate.

  • In business 12-months
  • In business requirement can be waived if the borrower's key personnel can demonstrate export expertise and successful previous business experience.

  • *Funding Amount: Up to $500,000

Export Working Capital Program

You can apply for EWCP loans before finalizing an export sale or contract. With an approved EWCP loan in place, you have greater flexibility in negotiating export payment terms. However, disbursements can only be made against firm purchase orders from a foreign buyer or to support foreign accounts receivable. .

*Funding Amount: Up to $5,000,000

Business Line of Credit (BLOC)

This is a line of credit for For-Profit businesses seeking short-term funding. Funds are disbursed as needed (like a credit card). Rates are variable with a three-year term (can be renewed).

  • In business 2 Years
  • Strong Personal Credit (680+)
  • Industry Experience
  • For Profit Business Only
  • Good Character
  • Profitable
  • Collateralized with Assets, Receivables, Inventory

  • *Funding Amount: $10,000-$3MM

Recent Deals Closed!

Refinanced: $3,000,000

Interest Rate: 3.75%

7 Year Fixed/30 Year AM

Refinanced: $1,500,000

Interest Rate: 4.75%

5 Year Fixed/10 Year AM

Purchase: $600,000

Line of Credit: $250,000

Interest Rate: 5.7%

5 Year Fixed/ 10 Year AM


Other Successful Deals

  • $50,000 Working Capital
  • $35,000 Line of Credit
  • $3,080,800 Refinanced
  • $700,000 Refinanced
  • $10,000 Micro Loan (1 Yr Business)

SBA Certified Technical Assistance Provider