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SBA Business Loans

Created in 1953 A.D., the U.S. Small Business Administration (SBA) assists small business owners and entrepreneurs in their pursuit of the American dream. The SBA is the only cabinet-level federal agency fully dedicated to small business and provides counseling, capital, and contracting expertise as the nation’s primary federal resource and voice for small businesses.

SBA 7(a) loans are the most common type of loan used in SBA business loan financing programs. Its name is derived from section 7(a) of the Small Business Act which authorizes the SBA to provide business loans to America’s small business entrepreneurs.

All 7(a) loans are provided by banks and certain non-bank traditional lenders known as SBA “participants” working directly with and through the SBA.

SBA 7(a) loans: Ideal financing solution for small businesses needing equipment and other tangible assets.

The 7(a) package covers SBA equipment loans, allowing you to purchase tangible assets using the funding guarantee you receive from the government. With an SBA loan, business owners can get long terms and competitive interest rates. These types of loans, such as 504 loans, can be used for all types of financing, including to buy equipment. However, you often will need a decent credit score and reliable annual revenue.

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Get SBA Loans with low interest rates and long repayment terms

7(a) Loans

SBA guaranteed loans of up to 85% of amounts borrowed up to $150,000 and guarantees of up to 75% for amounts in excess of $150,000 threshold. Maximum loan amounts of up to $5,000,000 are guaranteed by the United States Small Business Administration.

CDC 504 Loans

The SBA 504 Loan or Certified Development Company program is designed to provide financing for the purchase of fixed assets, which usually means real estate, buildings and machinery.

SBA Microloans

The Microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand.
The average microloan provided through this unique program is about $13,000.

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Most Businesses Are Eligible To Receive A SBA Business Loan And Qualifying Is Easier Than You Might Think!

How SBA Loans Work

SBA loans are one of the most popular methods of finance available to small business owners but it is important to understand that the SBA is NOT a direct lender and does not actually originate loans. Instead, the SBA provides loan guarantees for designated and approved lending institutions (often community banks) who will then provide financing for small business owners with what is termed an SBA credit enhancement. 

The SBA must be lender of last resort when the borrowing showing funds are not available elsewhere and additionally, the SBA also does NOT provide grant funds directly to business owners but assist certain types of businesses to qualify for federal grants under various programs. In general, the SBA addresses the needs of small business owners through three distinct ways or methods…

  • Debt Financing.
  • Equity Financing.
  • SBA Guaranteed Surety Bonds.

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  • Interest Rates: Interest charged for SBA loans is lower than other loans, depending on your creditworthiness and how qualified you are for the loan.
  • Loan Amounts:  SBA will allow you access to as high as $5.5 million with the 7(a) program, which is really possible depending on your qualifications.
  • Liberal Requirements: SBA loan requirements are the fairest among all small business and they offer repayment periods of up to 25 years for real estate, 10 years for assets and up to 7 years with working capital.
  • Down Payment: SBA loans are the types of loans that require down payments, but rates are lower compared to most other types of loans.
  • Flexibility: You can use an SBA loan for literally anything and that flexibility has a sense of freedom that allows you to even refinance existing debt, make upgrades, buy new land and much more.
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The SBA provides businesses with a competitively priced line of credit of up to $5 million but offering greater flexibility compared to traditional term loans more common than in other 7(a) loans. The NEW SBA Working Capital Pilot Program can offer a better solution as it creates a “periodic” line of credit that, is still built around an annual SBA upfront guarantee, allowing lenders to finance small businesses needing to customize their loans to better match their individual needs. Thesec businessess can then draw funds as in a revolving credit line but only pay interest when the funds are needed. Through the program, small businesses can access a line of credit to fund individual projects or orders. The current CAPLines programs tend to be used for businesses that require capital for some “seasonal” use or use for a specific contract while the new SBA Working Capital Pilot Program is designed to be more broad, flexible, and accessible to the average small business owner. Key Features of the CapLines Program include Loan Types: The CapLines Program consists of four distinct loan types, each tailored to different business needs: Seasonal Line of Credit: Provides businesses with funds to meet seasonal increases in inventory, accounts receivable, or labor costs. Contract Line of Credit: Used by businesses to finance the direct labor and material costs associated with performing assignable contracts. Builders Line of Credit: Designed for small general contractors or builders who need financing for direct labor and material costs to construct or renovate commercial or residential buildings. Working Capital Line of Credit: A revolving line of credit that provides businesses with short-term working capital. It’s typically used for cyclical or short-term needs and is often renewed annually. Loan Amounts: CapLines loans can provide up to $5 million in financing, depending on the specific needs of the business and the type of CapLines loan. Loan Terms: The terms of CapLines loans vary depending on the type of line of credit, but they typically have shorter terms compared to other SBA loans. For revolving lines of credit, the term is usually up to 10 years, though specific conditions may vary. Eligibility: To qualify for a CapLines loan, a business must meet the SBA’s standard eligibility criteria, including being a for-profit entity, operating in the U.S., and meeting the SBA’s definition of a small business. The business must also demonstrate a need for the specific type of financing offered by the CapLines program. Collateral: Like other SBA loans, CapLines loans often require collateral, which can include business assets like inventory, receivables, or real estate. Benefits of the Existng CapLines Program Flexibility: The program provides flexible financing options that can be tailored to a business’s specific cash flow needs, particularly for businesses with seasonal or cyclical operations. Access to Working Capital: CapLines ensures that businesses have access to the funds they need to cover short-term expenses, manage growth, and respond to opportunities or challenges as they arise. SBA Guarantee: As part of the 7(a) program, CapLines loans are partially guaranteed by the SBA, making it easier for small businesses to secure financing

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