Why Most Businesses Struggle With SBF Loans
Banks Make It Complicated
Your local bank treats SBA loans like every other loan cookie-cutter approach, endless paperwork, and often the wrong program for your needs.
One-Size-Fits-All Doesn't Work
Different lenders specialize in different industries, loan sizes, and business situations. Applying to the wrong one wastes months.
You're Left Guessing
Between 7(a), 504, and Express loans, most business owners don't know which program fits their situation so they either give up or settle for expensive alternatives.
How We Help You Get the Right SBF Loan
Free Consultation
We start with a conversation, not a sales pitch. Tell us about your business, what you need capital for, and your financial situation.
Lender Matching
We leverage our 12+ years of relationships to match you with lenders who specialize in your industry, loan size, and situation. Not just any lender—the right lender.
Guided Application
We walk you through the application process, ensuring you submit everything correctly the first time. Then we hand you off to the lender to close your deal.
Funding
Once approved, you get your capital with better rates and terms than traditional bank loans or merchant cash advances.
Is SBF Financing Right For Your Business?
Revenue: $1–20M annually- 2+ years in business with solid tax returns
- Cash‑flow positive
- Capital for acquisition, working capital, or growth
Industries we serve
Home Services (HVAC, Plumbing, Electrical) Professional Services Distribution Technology And moreWhich SBF Loan Program Do You Need?
SBF 7(a) Loans
Up to $5 millionMost versatile, works for acquisitions, working capital, equipment, real estate. Longer terms, lower rates than conventional loans.
Best forMost business situations
SBF 504 Loans
Up to $5.5 millionSpecifically for real estate and large equipment purchases. Lowest rates, longest terms.
Best forBuying your building or major equipment
SBF Express Loans
Up to $500,000Faster approval process. Slightly higher rates than standard 7(a).
Best forSmaller amounts needed quickly
Not sure which one fits? That's exactly what we help you figure out.
Apply NowCompare Your Options
| SBF Loans | Bank Term Loans | Merchant Cash Advance | |
|---|---|---|---|
| Interest Rate | Prime + 0% – 3% | 8–12% | 40–150% APR eq. |
| Terms | 10–25 years | 3–7 years | 3–18 months |
| Approval Time | 4–8 weeks | 2–6 weeks | 1–3 days |
| Best for | Growth, acquisitions, first‑time owners | Established firms w/ perfect credit | Emergency short‑term (not long‑term) |
What Makes Us Different
Consultative, Not Transactional
We're a boutique brokerage, not a high-volume lead generation site. You get personal service and expert guidance, not pressure to close fast.
Extensive Lender Network
We've spent 12+ years building relationships with banks across the country. Each one has different niches, appetites, and specialties. We know which banks say yes to which types of deals, and why.
No Cost to You
We're compensated by the lender when your loan closes. Our consultation and guidance cost you nothing.
We Handle the Complexity
SBA loans involve paperwork, compliance, and knowing which lender fits which scenario. We handle that complexity so you don't have to become an expert overnight.
Common Questions
Typically 4-8 weeks from complete application to funding. Working with us can speed this up because we ensure you're applying to the right lender with the right documentation from day one.
No. While credit matters, SBA lenders look at the full picture: cash flow, business history, industry, and your down payment. We can often find lenders who'll work with credit scores in the mid-600s.
Banks have different risk appetites and specializations. Just because one bank said no doesn't mean you don't qualify. We know which lenders say yes to which situations.
Nothing. We're paid by the lender when your loan closes, typically 1.5-2 points of the loan amount. This doesn't increase your interest rate or fees.
Yes. SBA 7(a) loans are one of the best ways to finance business acquisitions. You keep your equity and get favorable terms.
Ready to Explore SBA Financing?
Apply Now