SBA Financing

SBA Loans & Government-Backed Financing

Government-backed financing for working capital, acquisitions, owner-occupied real estate, refinancing, and startup costs. Built for bigger business moves, longer timelines, and financing needs that usually deserve more structure than a short-term cash grab.

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FlexFund Program

Good things come in small (funding) packages.

FlexFund is built for business owners who need a practical amount of capital without turning the whole process into a three-act drama. Use it for equipment, repairs, marketing, hiring, inventory, cash flow gaps, or a smaller business move that still needs to get done.

The point is simple: get useful capital in the door, keep the payment manageable, and avoid borrowing more than the situation actually calls for.

Loan amounts from $15,000 to $50,000
Funding in 10 days or less
Terms up to 10 years
Monthly payments
Minimum FICO of 640

Best for

Business owners with a specific need that is too important to ignore, but not big enough for a massive financing package. FlexFund is a fit when the business needs a clean, manageable way to handle the next move without overborrowing or settling for short-term money with an attitude problem.

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SBA Loan Refinance

Your SBA loan might be due for a rate intervention.

An SBA loan refinance can help business owners replace an existing SBA 7(a) loan with a cleaner, better-priced structure. The goal is to lower the monthly payment, improve cash flow, and possibly pull out additional working capital. This may make sense if your current SBA loan is priced at Prime + 3.5% or higher.

Refinancing could help move that loan into a lower-rate SBA structure, reset the term, and give the business more room to work with. Just because a loan made sense when you signed it does not mean it gets a lifetime pass.

Designed for existing SBA 7(a) loans
Current loan typically must be priced at Prime + 3.5% or higher
New rate options may include Prime + 1% fixed or Prime + 1.25% variable
Loan term may reset to 10 or 25 years, depending on the structure
Requires full underwriting, including business and global DSCR of 1.15x
Three years of financials may be required

Best for

Business owners with an SBA loan that may be costing more than it should. SBA refinancing makes sense when the goal is to reduce monthly payments, free up cash flow, access additional working capital, or finally ask the very reasonable question: “Why the hell are we still paying it like this?”

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SBA Commercial Real Estate Loans

Commercial property financing for owners ready to stop renting forever.

SBA commercial real estate loans help business owners buy, refinance, renovate, or build owner-occupied commercial property with longer terms and, in some cases, up to 100% financing. Office, warehouse, retail, mixed-use, medical, industrial, or other commercial property may qualify, as long as the business occupies enough of the space to meet SBA requirements.

Owning is not always the right move. But if the numbers work, it is nice when the monthly payment builds your balance sheet instead of your landlord’s.

SBA 7(a) and SBA 504 options may be available
Financing may be available up to $10 million
Terms up to 25 years
Up to 100% financing may be available for qualifying businesses
Business must typically occupy at least 51% of the rentable square footage
SBA 7(a): minimum FICO may start around 640
SBA 504: minimum FICO may start around 660
Can be used for commercial real estate purchase, refinance, renovation, ground-up construction, or heavy machinery

Best for

Business owners who want to own the property their business operates from and use the space as a long-term asset. SBA commercial real estate financing makes sense when the goal is to preserve cash, build equity, control the property, lease out unused square footage, or finally stop asking a landlord for permission to improve the building you’re already paying for.

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SBA Business Acquisition Loans

Buy the business. Skip the “starting from scratch” headaches.

SBA business acquisition loans help qualified buyers purchase an existing business with longer repayment terms, competitive SBA-backed rates, and, in some cases, little to no money down. This can be used to buy an established business, acquire a franchise, purchase business assets, include working capital, finance equipment, cover inventory, fund renovations, or even buy owner-occupied commercial real estate as part of the deal.

The business still has to make sense on paper. Profitability matters. Buyer experience matters. The numbers have to support the loan. Shocking, we know. But that is also what keeps “I bought a business” from turning into “I bought myself a very expensive job.”

SBA acquisition financing may be available with as little as 0% down
Loan terms may range from 10 to 25 years
Financing may be available up to $10 million with combined SBA and conventional structures
Minimum FICO may start around 640
The business being purchased must show enough profitability to support repayment
Buyer typically needs relevant or transferable industry experience
Business plan and financial projections required

Best for

Buyers who want to purchase a business with history, revenue, customers, and systems already in place. SBA acquisition financing makes sense when the deal can support the debt, the buyer can run the business, and the purchase price is grounded in a little thing we like to call “reality”.

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SBA Startup Loans

Startup capital for people with a plan, not just a pretty pitch deck.

SBA startup loans help qualified entrepreneurs launch a new business with longer repayment terms and SBA-backed financing. Funds may be used for working capital, equipment, inventory, renovations, leasehold improvements, or owner-occupied commercial real estate.

This is not “I had an idea in the shower” money. SBA startup financing usually requires relevant experience, a strong business plan, financial projections, and enough borrower investment to show the lender you are not just emotionally committed.

Funding from $100,000 up to $5 million
Terms may range from 10 to 25 years
As little as 10% equity injection may be required
Minimum FICO start at 700
Funds may be used for working capital, inventory, equipment, renovations, leasehold improvements, or owner-occupied commercial real estate
Strong business plan and financial projections required
Transferable experience matters. A lot.
Available collateral may strengthen the application

Best for

Entrepreneurs who are ready to start a business and have more than blind enthusiasm carrying the deal. SBA startup financing makes sense when the borrower has relevant experience, a clear plan, realistic projections, and enough capital invested to show they are serious. A good idea helps. A plan that survives basic math helps more.

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Not sure what kind of funding you need?

Good. That means you probably haven’t been sold the wrong thing yet.

Tell us what you need the money to do. Buy equipment? Cover cash flow? Refinance debt? Fund a project? Move on a property? Whatever it is, we’ll help match the need to the right solution.

Get Pre-Qualified Today Talk to an Advisor: 321-334-5099