SBA Loans

SBA Loans

Small Business Loans

Start, expand, and succeed in your business journey with the backing of SBA-financed solutions. Gain insights into SBA Loan Programs, 504 Debt Refinancing Programs, and delve into frequently asked questions regarding SBA loans.

Save Greater. Achieve More.

Lower guarantee fees mean more money in your pocket. Starting October 1, 2023, SBA guarantee fees are eliminated for all SBA loans up to $1 million. Further cost reductions are applicable to loans exceeding $1 million, allowing you to enhance your business’s success even further.

Benefits of Small Business Loans:

  • Financial Flexibility: Small business loans provide you with the capital needed to cover various expenses, from expansion to day-to-day operations.
  • Business Growth: With the infusion of funds, you can invest in growth opportunities, such as opening new locations, launching marketing campaigns, or increasing inventory.
  • Improved Cash Flow: Loans can help stabilize your cash flow, ensuring you can meet payroll, pay suppliers, and manage unexpected expenses.
  • Building Credit: Responsible repayment of a small business loan can positively impact your business credit score, making it easier to secure financing in the future.
  • Ownership Retention: Unlike giving up equity to investors, a loan allows you to retain full ownership and control of your business while accessing the necessary funds.

The SBA Guide

Certainly, here are five key points to consider in “The Small Business Guide”:

  • Business Planning: Develop a comprehensive business plan that outlines your business’s goals, strategies, and financial projections. A well-thought-out plan can serve as a roadmap for success and help you secure financing.
  • Legal Structure: Choose the appropriate legal structure for your business, such as a sole proprietorship, LLC, or corporation. Your choice affects your liability, taxes, and regulatory requirements.
  • Financing Options: Explore various financing options, including loans, grants, and venture capital, to fund your business. Understand the pros and cons of each and select the one that aligns with your business’s needs and goals.
  • Marketing and Branding: Develop a strong marketing and branding strategy to attract customers and build your brand’s reputation. Consider online and offline marketing tactics, social media, and customer relationship management.
  • Compliance and Regulations: Stay informed about the legal and regulatory requirements that apply to your business, including licenses, permits, taxes, and employment laws. Compliance is essential to avoid legal issues that could harm your business’s reputation and growth.

SBA 504 Debt Refinancing Program

Minimize Debt Obligations and Unlock Equity Leverage your business’s equity by refinancing qualified business expenditures, offering extended repayment periods of up to 25 years. These loans adhere to the full set of prerequisites as stipulated by the SBA 504 Loan Program.

Basic Eligibility Requirements:

  • A minimum of 85% of the loan to be refinanced must have been allocated for the acquisition, construction, or enhancement of fixed assets.
  • Your business must have been operational for a minimum of two years before submitting the refinance application.
  • The property undergoing refinancing must be owner-occupied.
  • Loan collateral must be substantiated by an independent appraisal conducted before the loan closing.

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