SBA Loan Advising and Processing

Designed for small businesses, SBA loans come in  a variety of options. We help you decide which would be best and can even help with packaging and submission.

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Start to Finish SBA Loan Advising and Processing


As a small business it can be difficult to navigate the bureaucracy of the SBA loan programs. You may not have the time to figure it out and that ultimately costs you money on both ends and that's where we come in. Let us do the heavy lifting and find the right loan for your needs and package the request so that you keep doing what is important - growing your business.

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SBA 504

Average Approval Time - 60-90 Days

Required Collateral - None other than the properly acquired

$5 Million

Maximum Amount

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SBA Express

Average Approval Time - 45-60 Days

Required Collateral - None for loans under $25,000

$350,000

 Maximum Amount

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SBA Loan secured

SBA 7(a)

Average Approval Time - 60-90 Days

Required Collateral - Equal to loan amount 

$5 Million

Maximum Amount

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Frequently Asked Questions about SBA Loans

Got a question? We’re here to help.

  • What is an SBA 504 Loan?

    An SBA 504 loan provides long-term, fixed rate financing of up to $5 million for major fixed assets that promote business growth and job creation. Key features of an SBA 504 loan can include:

    • Multiple repayment terms: 10-year, 20-year, and 25-year
    • Interest rates pegged to an increment above the current market rate for 5-year and 10-year U.S. Treasury issues 
    • Funding comes for three places:
    • A certified development company - 40%
    • A bank or credit union - 50%
    • Small-business owner taking out the loan - 10%

    The SBA is temporarily waiving fees for lenders and borrowers as part of its coronavirus relief efforts. Under normal circumstances, fees typically include SBA, CDC and bank or credit union fees, which vary. These fees are baked into the total loan amount, so a business owner’s only upfront cost is the 10% down payment.



  • What is an SBA Express Loan?

    SBA Express Loans are up to $350,000 which can be turned around quickly. Key features of an SBA express loan include:

    • SBA Guarantees up to 50% on loans up to $350,000
    • Capped interest rates
    • Decisions are made by the lender
    • Funding is a revolving line of credit with terms up to 7 years, extensions permitted
    • Easy Applications
    • Collateral required on loans over $25,000 and any amount over $350,000, the lender can use their own collateral policies

  • What is an SBA 7(a) Loan?

    SBA 7(a) loans are a great option for financing small businesses. They offer flexible loan amounts, maturity, and rates to fit virtually any situation. If you need small working capital or a million-dollar note to build a facility this could be the loan for you.

    • Loan Size: Can provide small businesses up to $5 million of capital.
    • Loan Term: Variable loan terms. Up to 10 years for working capital and 25 years for real estate
    • Loan Use: Can be used for working capital, equipment, buying a business or franchise, refinancing debt, and purchasing real estate
    • Credit Requirement: Typically require a credit score of around 680
    • Down Payments: Usually require a 10% to 20% down payment, as well as a certain amount of collateral


  • Why do I need your help?

    We have years of experience in handling SBA 504, SBA express, and SBA 7(a) Loans for businesses across the nation. We understand what is needed and what it takes to get you approved. If you do not qualify we can easily explore other options that fit your budget and business needs.