- SBA up to $500,000
- Line of Credit up to $750,000
- Term Loan up to $2,000,000
- SBA up to $500,000
- Line of Credit up to $750,000
- Term Loan up to $2,000,000
SBA Programs
We Are A Partner With The #1 SBA Provider Platform
An SBA loan is a government-guaranteed small business loan that has a long-term and a low-interest rate. The Small Business Administration (SBA) is the government agency that partially guarantees SBA loans, and was founded in 1953 to support small business owners across the US.
A common misunderstanding is that the SBA lends money directly to small businesses. The SBA provides a guarantee on the loan, promising to reimburse the bank should the loan default.
This guarantee lowers the risks to lenders, allowing them to offer low interest rates.
The SBA has established a maximum amount that can be charged for it's loans, which is the Prime Rate plus 2.75% to 4.75%.
Minimum Requirements
- Minimum 2 Years in Business
- Personal Credit Score of 650+
- Minimum $240k in Annual Revenue
- Any IRS Liens Must Must Be on a Payment Plan
- No Bankruptcies or Foreclosures in the Past 3 Years
Documents Required
The Documents required can vary, based on the funding amount and program we are pursuing.
For example, for Clients with an Experian Credit Score above 700, we can secure an approval with as little as Tax Returns, Bank Statements, and a Drivers License.
Often, we're able to approve SBA's with just a few of the documents listed below:
- Last 2 Years of Business Tax Returns
- Last 2 Years of Personal Tax Returns
- Last 6 Months of Bank Statements
- List of Current Debt Obligations
- P&L and Balance Sheet
- Color Copy of Front and Back of Drivers License
The Different Programs
There are different SBA programs we can pursue, including Standard 7A, Streamlined, and Micro Loan. Each has their own requirements and maximum funding amounts.
Find out which program makes the most sense for you.
Line of Credit
Cash Readily Available To You, For The Moments You Need It Most
A Line of Credit is the Swiss Army Knife of borrowing. It gives you the ultimate control of your interest expense as you're able to take what you need when you need it, and pay it back as quickly as you'd like.
It also gives you more clarity when making purchasing decisions or plugging gaps in your cash flow as you'll already know what's available to you and the cost of the funds.
What's even better is you only need to apply once and the funds remain available to you in perpetuity.
Credit Limits can range from $10k to $750k, and have payment schedules from 6 Months to 3 Years.
The minimum requirements include:
- Minimum 600 Experian Credit Score
- Minimum 12 Months in Business
- Minimum Annual Revenue of $200k
Other Benefits Of Our Line of Credit
The application process is streamlined, with only bank statements required. We can often have your account opened and cash available to you within 24 to 48 hours.
Click below to learn more about all the benefits of our Line of Credit.
Term Loan
The Best of Both Worlds
Term Loans are often chosen because of two reasons — speed and ease.
Soup to nuts, we can often have your approval within hours of receiving your bank statements, and many loans are funded the same day.
In addition, you'll receive several of the best benefits of our Line of Credit and SBA programs.
We can tailor your offer to fit very specific needs, such as a 90-day loan to plug a whole between receivables, or extend the term as long as 3 years to stretch you payments and provide greater predictably in your payments.
You'll also be offered prepayment discounts should you decide to pay off your balance early, or the option to refi your loan at improved terms based on your payment history with us.
Click below to learn about the many other benefits of our Term Loan program
Our Story
One call with us and you'll understand what makes us different
Our focus is on one thing — Relationships. Relationships with our clients, and relationships with our underwriters.
We care about you as much as you care about your business, because caring for our clients is our business. Our focus is always on best positioning our clients to continuously secure longer-term and lower-cost funding.
And it's our relationship with underwriters that allows us to get applications across the finish line when others can't. Spending just a little extra time explaining a blemish can make a huge difference in your approval.
Simple, Fast, Flexible Funding
Time is money, which is why we make the process simple and seamless. By completing just one, 5-minute application, we can explore every option available and have offers for you within hours.
Time is also money from the perspective of lenders, and the longer the term, the higher the cost. We'll review all scenarios and help you choose the option that gives you exactly what you need at the lowest cost.
One Stop Shop
We eliminate the need for you to work with brokers who will send your application to dozens of lenders, negatively impacting both your credit score and ability to secure funding.
Because we're one of the rare lenders offering products and services that cover the lending landscape, we can explore all of your options, allowing you to choose the one that's perfect for you!