SBA 7(a) Loans

The SBA 7(a) program can be used by business owners to consolidate business debt resulting in increased cash flow. The program can also provide business owners with funding for working capital, tenant improvements or to purchase equipment, real estate and inventory.

• Loan amounts from $150,000 to $5,000,000

• Terms from 7 to 25 years

• Up to 90% LTV

• Fully amortized with no balloon payments

• Fixed and variable rates available.

SBA 504 Loans

The SBA 504 program allows business owners to access 90% LTV loans for the purchase or construction of commercial real estate. The loan structure includes a first and a second mortgage allowing for loan to values that are typically not available. The program also provides the stability of competitive fixed interest rates.

• Loan amounts up to $20,000,000

• Terms from 20 – 30 years

• Long term fixed rates

• Up to 90% LTV

• Fully amortized with no balloon payments

SBA 504 Loans

The SBA 504 program allows business owners to access 90% LTV loans for the purchase or construction of commercial real estate. The loan structure includes a first and a second mortgage allowing for loan to values that are typically not available. The program also provides the stability of competitive fixed interest rates.

• Loan amounts up to $20,000,000

• Terms from 20 – 30 years

• Long term fixed rates

• Up to 90% LTV

• Fully amortized with no balloon payments

Small Business Working Capital Loans

Small Business working capital loans allow borrowers to access financing to be used for working capital, equipment purchases, inventory and furniture and fixture purchases in as little as 1-2 business days. Apply directly

• Loan amounts up to $1,000,00

• 3 - 24 months options.

• Daily or Weekly automatic ACH payment

• Fund in as little as 1-2 days.

• Renew/refinance the loan once they are 50% paid down.

USDA B&I Loans

The USDA Business and Industry (B&I) Guaranteed Loan Program is designed to assist rural businesses in communities of 50,000 or less obtain credit for most any legal business purpose. A borrower may be a corporation, partnership, individual, cooperative organization or other legal entity organized and operated on a profit or non profit basis. Individual borrowers must be citizens of the United States and corporations must be 51% owned by persons who are citizens of the United States

• Loan amounts from $1,000,000 to $20,000,000

• Terms up to 30 years

• Up to 90% LTV

• Fully amortized with no balloon payments

• Fixed and variable rates available.

Equipment Financing

Small Business loan programs are designed to assist small business owners acquire financing where traditional lenders won’t help. These programs allow borrowers to access financing to be used for working capital, equipment purchases, inventory and furniture and fixture purchases in as little as 5 business days.

• Loan amounts from $10,000 to $500,000

• Terms up to 5 years

• Fixed and variable rates available

• Fund in as little as 5 business days.

• Fully amortized with no balloon payments

The USDA Business and Industry (B&I) Guaranteed Loan Program is designed to assist rural businesses in communities of 50,000 or less obtain credit for most any legal business purpose. A borrower may be a corporation, partnership, individual, cooperative organization or other legal entity organized and operated on a profit or non profit basis. Individual borrowers must be citizens of the United States and corporations must be 51% owned by persons who are citizens of the United States

Commercial Real Estate Loans

Commercial Real Estate Loans

USDA B&I Loans

The USDA Business and Industry (B&I) Guaranteed Loan Program is designed to assist rural businesses in communities of 50,000 or less obtain credit for most any legal business purpose. A borrower may be a corporation, partnership, individual, cooperative organization or other legal entity organized and operated on a profit or non profit basis. Individual borrowers must be citizens of the United States and corporations must be 51% owned by persons who are citizens of the United States

• Loan amounts from $1,000,000 to $20,000,000

• Terms up to 30 years

• Up to 90% LTV

• Fully amortized with no balloon payments

• Fixed and variable rates available.

This product is designed for business owners that will occupy at least 25% of the property, can show stabilized financial statements, and must also be able to support the requested loan amount. Debt service is calculated on a global basis using the subject business and borrowers income. In addition, lease income generated by investment tenants is applied towards debt service in underwriting.

• Loan amounts from $350,000 to $20,000,000

• Terms from 7 to 25 years

• Up to 80% LTV

• Fully amortized with no balloon payments

• Fixed and variable rates available.