• The U.S. Small Business Administration (SBA) offers numerous loan programs to assist small businesses.

• The SBA is primarily a guarantor of loans made by banks and non-bank lenders.

We do the work for you! We take the complication out of the tremendous amount of paperwork. Also, we are able to lend at a higher capacity than the SBA direct program.

SBA is ideal for beginning businesses. The program will mitigate the risk of a new business, and it will give you more opportunity that you otherwise may not be eligible for.

Before starting your loan application, we recommend having the following information ready:

• Annual income

• Amount you want to borrow

• How you plan to use the loan funds

If you are applying for a real estate loan, it is recommended that you also have access to the following:

• Property acreage, estimated value, and any dwelling information

• SBA loans may help your business gain access to capital that may not otherwise be available with conventional bank financing.

• Businesses can receive financing on more flexible terms with lower down payments, longer terms and other collateral and income considerations.

• Purchase owner-occupied real estate

• Construction and expansion of business premises

• Leasehold improvements

• Purchase machinery, equipment, furniture and fixtures

• Business acquisition

• Debt refinance

• Working capital

• Inventory purchase

• Start-up operations

• Certain loan closing costs

• Eligible Franchises

• Business Acquisitions

• Loans to professionals – Doctors, Dentists, Veterinarians

• Pet boarding facilities/pet hotels

• Child care facilities

• Real estate financing

• Car washes

• General automotive

• Service companies