Free funding readiness consultation · No hard credit pull
Mon–Fri 9am–8pm CST · Sat 10am–2pm CST
SBA loans
The SBA does not lend — banks and non-bank lenders do, under a partial guaranty and their own overlays. Most declines are overlay declines, which is why lender selection matters as much as your file. We prepare the package and route it to lenders that fund your industry, size and use of funds.
You applied where your neighbor banks, not where your industry and loan size get funded. The decline had nothing to do with your business.
Debt service coverage below 1.15 kills more SBA files than credit does. It is measurable in advance and often fixable with a different structure or price.
Ten percent down has to be documented and seasoned. Discovering that at week eight of a ninety-day process costs you the deal.
Programs
The flagship program. Working capital, equipment, owner-occupied real estate, eligible debt refinance, partner buyouts and business acquisition — all under one structure.
A faster path with a smaller guaranty. Can be structured as a term loan or a revolving line, and approved in-house by the lender.
Delivered through nonprofit intermediaries, with the most flexible credit standards in the SBA system. Frequently the right first loan for a new business.
Buy an existing business or a franchise unit with roughly 10 percent down over a ten-year term — leverage no conventional lender will match on goodwill.
Qualification
Owners search for SBA 7a loan requirements, SBA working capital loan program, SBA Express loan for startup, SBA line of credit for small business and best SBA lenders for small business. Underneath all of it sits one question: which lender will actually say yes to this file?
We answer it by profiling the deal first — industry NAICS code, loan size, use of funds, collateral position, coverage ratio and borrower experience — and matching that against lenders whose current appetite fits. A Preferred Lender that writes your deal type weekly will approve faster and on better terms than a generalist bank that writes two a year.
If the file is not ready, we say so and give you the fix list: current interim financials, seasoned injection funds, revolving balances paid down, federal delinquency resolved in writing. Sixty days of preparation regularly turns a decline into an approval, and it costs far less than a rejection on your record.
Comparing bank business loan requirements or a credit union business loan for small business against SBA terms is also worth doing. When conventional financing is available on reasonable terms, it is often cheaper and faster — and SBA rules require that path be considered first.
How it works
Most funding sites push you into a form and sell the lead. We start with a conversation, because the right product depends on facts a form can't capture.
15–20 minutes, by phone
An advisor reviews your revenue, credit position, existing debt and timeline. No documents, no application, no hard credit pull. You leave the call knowing which products you actually qualify for today.
Same or next business day
We build a written plan: the specific programs to pursue, in what order, the realistic amount and cost of each, and what to fix first if a stronger approval is 30 days away.
24 hours to 90 days by product
We package your file, submit to the right lenders rather than every lender, negotiate terms, and stay on the file through funding. You get one point of contact, not a call center.
Questions
A twenty-minute review tells you your realistic coverage ratio, your injection requirement, and which lenders fund deals like yours right now.
Free consultation · No hard credit pull · Mon–Fri 9am–8pm CST · Sat 10am–2pm CST
