What if we told you that your growth plan alone could unlock millions in capital—even without real estate or equipment?
That’s exactly what happened in our recent closing for a fast-scaling digital marketing firm that’s quietly become a nationwide powerhouse. With over 5,500 clients across 47 states, this business has mastered something most entrepreneurs only guess at: their exact Return On Investment (ROI) per dollar spent.
We call these “air ball” loans— SBA loans that aren’t backed by physical collateral like real estate or heavy machinery. But in the right hands, they’re powerful.
The Power of Precision
The borrower, a seasoned founder with a clear growth model and over $10 million in annual revenue, came to us with one simple request: working capital to scale.
But here’s the twist—he wanted all of the money in cash to deploy himself (as he manages his own marketing campaign.)
His business model was already working. His ROI on advertising, staffing, and service delivery was clear, proven, and scalable. What he needed was funding to hire 200 new team members, support more clients, and take his top-rated services—ranging from website design and Google Ads to virtual staffing and after-hours support—to the next level.
The challenge? There was no building or equipment to use as collateral.
The solution? A precisely structured $1,200,000 SBA 7(a) working capital loan backed by historical and pro forma financials, a projected 8x debt service coverage ratio, and the strength of a founder who knows how to scale with clarity.
SBA Insight: You Don’t Always Need Real Estate to Get Funded
This closing is a perfect example of what’s possible when:
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Your growth plan is measurable (not just hopeful)
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You’ve got strong cash flow and clean books
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You work with a lender who understands how to tell your story—even without hard assets
In a lending environment where most banks still prefer “safe and secure” loans backed by real estate, we’re proud to structure solutions for companies that are scaling digitally, leanly, and intelligently.
What You Can Learn From This Deal
✅ 1. Collateral Isn’t Always Required—But Strategy Is
The SBA 7(a) program allows unsecured “air ball” loans when the deal is structured intelligently. Strong financials and a solid growth plan are key.
💡 If your ROI is proven, don’t let the absence of real estate hold you back. Capital follows clarity.
✅ 2. Know Your ROI Like You Know Your Logo
This founder knew exactly how every dollar impacted growth. That kind of insight builds confidence with lenders.
💡 When you know your numbers, your loan moves faster.
✅ 3. SBA Loans Aren’t Just for Buying Real Estate
Too many founders assume SBA loans are only for buying a business or property. This deal shows how powerful they can be for working capital and team expansion.
💡 A well-structured SBA loan can fuel growth—not just acquisitions.
✅ 4. You Are the Collateral
In this case, the borrower’s experience, credit, liquidity, and leadership carried the deal.
💡 A lender doesn’t just invest in your business—they invest in you.
Thinking Bigger?
If your business is generating consistent revenue and you’ve dialed in your ROI, you may be a perfect fit for an SBA expansion loan. The SBA 7(a) program can guarantee up to $5 million for working capital, hiring, marketing, and more.
Call us today at (888) 959-1648 or email info@comcapfl.com, or apply through our Loan Finder App—no document uploads, no obligation.
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