SBA Loans

Our SBA department works with our own in-house funds plus a network of the nation’s strongest SBA Preferred Lender Program (PLP) partners – which is how we close more SBA loans than most firms and banks in the country. Whether you’re buying a business, purchasing owner-occupied real estate, or refinancing existing debt, we work with you to build your application to get approved the first time.

Loan Amounts

$350K up to $5 M

($10 million for specific industries)

Terms

10-25 Years

Time to Close

60-90 Days

SBA Loans

We Are the SBA Specialists

Trust us with your SBA loan and the application and closing process runs smoothly – without ever starting over from scratch. Between our in-house funds and our co-underwriting relationships with the strongest SBA PLP lenders in the country, we make a notoriously complicated process feel manageable.

Count on our specialists to:

Here’s what sets us apart: most lenders take in every application to keep their pipeline full. We’re intentionally selective about the loans we take on – and once we take one on, we stay active in it. One application and one document request kicks off our 48-hour underwriting pre-approval. From there, you have a co-underwriting partner who works the file end to end, not a broker who hands you off once the paperwork’s submitted.

The SBA loan paperwork trail can be overwhelming on its own. We work diligently to close the gaps in communication, avoid duplicate document requests, and keep you moving toward a smooth, on-schedule closing.

We call ourselves the ‘SBA Loan Specialists’ because our firm closes more SBA Loans than most firms and banks in the country.

What Makes SBA Loans Work for Small Business

The Small Business Administration created these programs to make lenders more willing to finance small business owners like you. By guaranteeing a portion of your loan, the SBA lowers the lender’s risk – which typically gets you better rates and terms than you’d find with a conventional loan alone.

SBA financing covers a wide range of uses, but most of what we see falls into one of three programs.

SBA 7(a) Loans

The Most Flexible

The SBA’s flagship program covers amounts up to $5 million and can be used to purchase land or a building, finance construction, acquire a business, refinance existing debt, buy equipment or inventory, or fund working capital and expansion. If you need capital and aren’t sure which “bucket” it falls into, this is usually the program that fits.

See how SBA 7(a) loans work

SBA 504 Loans

Built for Real Estate & Major Equipment

More specific than the 7(a), the 504 program is designed for stabilized businesses buying or building owner-occupied real estate, or investing in long-term equipment and machinery. The SBA-guaranteed portion caps at $5 million (up to $5.5 million for manufacturers and qualifying energy-efficient projects) – but because a bank partner typically funds another 40–50% of the project, total project financing regularly reaches well beyond that. 504 loans come with up to 90% loan-to-value, a fixed rate for the life of the loan, and no balloon payment – a combination that’s hard to match anywhere else.

See how SBA 504 loans work

SBA Express Loans

After the SBA discontinued its SBSS pre-qualification system, our firm has closed our SBA Express program. Small SBA 7(a) loans may be available.

Why Business Owners Work With Us

Our leadership brings a rare combination to the table – experience as a business owner, a securities professional, a real estate broker, and a lender. That perspective shapes how we build every file: we’re not just reviewing your application, we’re engineering it to be the strongest version of itself before it ever reaches a lender’s desk. That’s the difference between a pre-approval that stalls out and one that carries all the way through to a closing.

We close SBA loans consistently. Let’s find out which program fits your business.

Get Pre-Qualified

FAQ's

Frequently Asked Questions

What credit score do I need for an SBA loan?

Most SBA lenders look for a personal credit score in the high 600s or above, though your full financial picture – cash flow, time in business, and collateral – matters just as much as the number. For extenuating circumstances like a sudden decline in health, employment, etc., a Letter of Explanation is often recommended.

How much can I borrow with an SBA loan?

Individual SBA 7(a) and 504 loans each cap at $5 million (up to $5.5 million on 504 for manufacturers and qualifying energy projects). As of July 2026, borrowers who structure both programs together can access up to $10 million in combined SBA-backed financing.

SBA announcement

How long does an SBA loan take to close?

Timelines vary by lender and complexity, but our SBA loans typically close in 60-90 days from a complete application, thanks to our 48-hour underwriting pre-approval process.

What's the difference between SBA 7(a) and SBA 504 loans?

7(a) loans are the more flexible option – usable for nearly any business purpose. 504 loans are purpose-built for real estate and major equipment, often with a fixed rate, but a narrower set of eligible uses.

SBA Loans

Commercial Real Estate Loans

Property Types

SBA Loans

Loan Amounts

$350K up to $5 M

Terms

10-25 Years

Time to Close

60-90 Days

We Are the SBA Specialists

Count on our specialists to:

What Makes SBA Loans Work for Small Business

SBA 7(a) Loans

SBA 504 Loans

SBA Express Loans

Why Business Owners Work With Us

Frequently Asked Questions

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