SBA loans are made through lenders who partner with the SBA. The SBA provides a government-backed guarantee on part of the loan. SBA loans were enhanced to provide up to a 90 percent guarantee in order to strengthen access to capital for small businesses. The SBA guarantees against default certain portions of business loans made by lenders that conform to its guidelines.

The primary use of the programs is to make loans for longer repayment periods based in part upon looser underwriting criteria than normal commercial business loans, though these programs can enable owners with bad credit to receive a loan. A business can qualify for the loan even if the yearly payment approximates previous year's profit. Most banks want annual payment for loans no more than two-thirds (2/3) of prior year's operating profits. Lower payments, longer terms and loosened criteria allow some businesses to borrow more money than otherwise. We strive to make the process as simple as possible for our clients; it is this simplicity and dedication that sets us apart from other lenders.

We offer access to two types of SBA funding:

Option A: Receive SBA between from $5,000 to $350,000 with a 10 year term. No pre-payment penalty Monthly payments, rates as low as 6%-8% (prime +2.75%-4.75%) Apply now for immediate PRE-QUALIFICATION

Option B: Receive SBA funding up to $10,000,000 with a 7-25 year amortization schedules biweekly & Monthly payments faster approvals than with traditional bank loans. Apply now for immediate PRE-QUALIFICATION Call (678) 208-LOAN (5626)