SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer terms no other product can match. The trade-off is paperwork and time. We handle the packaging so your application moves through a lender's queue as quickly as possible.
Best for
- Businesses with 2+ years of profitable history and clean books
- Real estate purchases, acquisitions, partner buyouts, and major expansions
- Refinancing high-cost debt into a single long-term payment
What you'll need
- 2+ years in business
- Owner credit typically 680+
- Business and personal tax returns (3 years)
- Profit & loss, balance sheet, and debt schedule
How it works
- Pre-qualification call to confirm eligibility and choose 7(a) vs. 504
- We assemble the full SBA package with you — forms, financials, projections
- Submit to preferred lenders; underwriting, approval, and closing
Common questions
Why work with a consultant instead of going straight to a bank?
SBA lenders decline incomplete or poorly organized packages constantly. A properly built file gets funded faster and at better terms.
Can I use an SBA loan to buy a business?
Yes — 7(a) is the most common vehicle for acquisitions, including seller notes and working capital at close.
Is there a bridge option while I wait?
Often. We can arrange short-term capital now and refinance it into the SBA loan at closing.