Refinance Existing SBA Debt
Restructure an existing SBA 7(a) loan where eligible under program guidelines.
Debt refinancing
SBA Loan Refinancing
Refinance eligible SBA or conventional business debt to improve your rate, extend your term, consolidate obligations, or free up monthly cash flow.
Program overview
Restructuring existing debt around today's cash flow
A loan that made sense when it was originated doesn't always fit a business years later. Rates change, revenue grows, and obligations that once made sense can become a drag on monthly cash flow. Through the SBA 7(a) refinance program, we evaluate your existing debt — SBA or conventional — and structure a request to improve your terms where it's eligible to do so.
What This Can Address
Refinance Conventional Debt
Move eligible conventional business debt into an SBA-backed structure.
Debt Consolidation
Combine multiple business obligations into a single, more manageable payment.
Cash-Out for Working Capital
Access equity in existing real estate or the business to add working capital.
Improve Rate & Term
Extend amortization or improve pricing to lower your monthly payment.
Our role
Evaluating whether refinancing actually improves your position.
Debt review
We review existing loan terms, payment history, and eligibility for refinancing.
Deal structuring
We determine the program and structure that actually improves your cash flow.
Lender matching
We place the request with a lender that underwrites refinance transactions well.
Through closing
We coordinate payoff of existing debt and manage the transition to closing.