Lower-cost capital for the bigger moves.
When the goal is growth, real estate, an acquisition, or refinancing high-cost debt, SBA and conventional term loans offer the longer terms and lower rates to make it work. I help owners navigate which program fits and match them with one vetted lender who actually closes these — no runaround.
Which program fits
- SBA 7(a) — flexible use: working capital, refinancing, acquisitions, equipment
- SBA 504 — owner-occupied real estate and major fixed assets
- Conventional term loans — fast, fixed-schedule funding when SBA isn't the best route
- SBA 7(a) Working Capital Pilot — monitored lines of credit for growing businesses
What lenders look for
SBA financing rewards stability: time in business, cash flow that covers the payment, reasonable credit, and a clear use of funds. The paperwork is heavier than other products — which is exactly why matching with a lender who specializes in your scenario matters. I make sure you're pointed at the right one.
How I help
I'll help you understand what you'd likely qualify for, then introduce you to one vetted SBA-experienced lender. No broker pools, no selling your information — one relationship, handled directly.
Guides & resources
- SBA loan requirements in 2026 — DSCR, SOP 50 10 8, credit & equity injection
- The Business Safety Guide — cash flow, lien position & protecting your data
Common questions
What are the basic SBA loan requirements?
Generally: a for-profit U.S. business, reasonable owner credit, demonstrated repayment ability (cash flow), time in business, and a sound use of funds. Requirements vary by program and lender — I'll tell you where you realistically stand.
SBA 504 vs 7(a) — what's the difference?
504 is built for owner-occupied real estate and large fixed assets with a long fixed-rate structure; 7(a) is more flexible and covers working capital, refinancing, and acquisitions. I'll help you pick based on your goal.
How long does an SBA loan take?
SBA loans take longer than alternative products — often several weeks — because of underwriting and documentation. If you need speed, I can show you faster conventional or working-capital options alongside the SBA route.
Can I use an SBA loan to refinance MCA debt?
No — as of June 1, 2025 (SOP 50 10 8), merchant cash advances and factoring can no longer be refinanced with an SBA 7(a) loan. The realistic path is MCA consolidation or a conventional option.
Let's get you to the right lender
Tell me a little about your business. If I have a vetted lender that fits, I'll make a single, direct introduction — usually within one business day. No broker pools, no resale of your information.