Better Business Bureau
A+ Rated
Since 2008
Raised Over
$100MM+
Total Dollars
Funded
Helped Over
1,500+
Companies
With Funding
Managed Over
140+ Client
Portfolios
Our Personalized Growth & Expansion Financing Options Are Here to Enhance Your Business Funding Journey
SBA Loans
If you're an existing business owner and are looking for additional capital, small business administration loan programs are a great way to do that. Unlike conventional term loans, an SBA Loan offers business owners the opportunity to take advantage of favorable terms as part of the SBA program, while removing some of the barriers to traditional financing options.
Conventional Bank Financing
Conventional financing — or conventional lending — is a lending solution that is not secured or offered by the U.S. government. Instead, conventional loans are made through private lenders and have a fixed interest rate that doesn't change throughout the length of the loan. Conventional financing is used typically for financing everything from home purchases to the refinancing of a mortgage.
Leasehold Improvements
Leasehold improvements are changes made to the leased space by a tenant’s own design or through negotiation with the landlord. These improvements can be costly and time consuming, so it may be beneficial to consider options such as lease improvement financing that allow you to borrow funds on an interim basis at competitive rates while the work is being performed.
Capital Raise
An innovative first step to raising capital to grow your business. Your business may have a great idea, but if you don't have the money to put that idea into action it doesn't matter how amazing your product or service is. If you want to take your business from good to great, we hope you will consider our capital raising services us as your first choice for all your complete lending needs.
How Our Private Lending Process Works
Apply For Funding
Complete our simple and easy application process and we’ll take care of the rest. One of our financial advisors will reach out to you within 24hrs to schedule a meeting.
Documentation
A short list of required documentation & request for additional information gets sent out followed by a final reviewal stage with our experts to cross our t's and dot our i's.
Formal Request
At this stage, a formal request is presented to you, outlining your business needs, pain points and goals discovered in previous meetings.
Expert Analysis
Once we review your application, our experts analyze the current state of your business and develop a tailored flexible financing option plan for you and your business.
Funding
Once you are approved, we'll coordinate and schedule the release of your funds, providing you with the resources necessary to achieve the growth or expansion you desire for your business.
Loan Calculator
Lets See if We're a Match
You must be 18 years or older to request a loan
Have a credit score of at least 600 when applying
Have been in business for 1 year or experience in your trade for a minimum of 2 years
Average monthly sales of no less than $40,000 a month
Factor Rates vs. Interest Rates: Which Lending Answer is Best for Your Business?
Factor rates and interest rates are two common loan rates used by lenders to finance small businesses. Factor rates are typically used for short-term loans and merchant cash advances, while interest rates are commonly used for long-term loans. When choosing between the two rates, businesses should consider their financial situation and goals to determine which option is best suited for their needs.
Revenue-Based Financing: How It Works fo...
Revenue-based financing is a way to get capital now and pay it back as a percentage of your future sales. When business is good, you pay more. When it slows down, you pay less. There is no fixed monthly payment and...
Invoice Factoring vs. Merchant Cash Adva...
If you need cash fast and a bank loan isn’t an option, two products usually come up: invoice factoring and a merchant cash advance. Both get you money quickly. Both skip the long approval process of a traditi...
Small Business Funding in New Jersey: A ...
Small business funding in New Jersey comes from more sources than most owners realize. Between state programs, SBA loans, and private lenders, there are more paths to capital than a single bank visit can show you....
SBA Loan Requirements: How to Qualify in...
If you’re a small business owner looking for affordable financing, you’ve probably heard about SBA loans. But qualifying isn’t automatic. Understanding the SBA loan requirements before you apply c...
If you're a small business owner looking for affordable financing, you've probably heard about SBA loans. But qualifying isn't automatic. Understanding the SBA loan requirements before you apply can save you weeks of wasted paperwork and help you decide whether an SBA loan is the right fit for your business right now.
SBA loans are backed by the U.S. Small Business Administration, which reduces risk for lenders and often means lower rates and longer terms than you'd get elsewhere. But the SBA also has strict eligibility rules, and some of them changed in 2026. This guide breaks down what lenders look for, what credit score you need, what documents to gather, and what the loan actually costs, so you can walk into the application process prepared.
What Is an SBA Loan?
An SBA loan isn't a loan from the government itself. The Small Business Administration guarantees a portion of the loan, and a bank or approved lender funds it. That guarantee lowers the lender's risk, which is why SBA loans tend to come with better rates and longer repayment terms than many other types of business financing.
The three most common SBA loan programs are the 7(a) loan, the 504 loan, and the Microloan. The 7(a) loan is the SBA's general-purpose option, used for working capital, equipment, refinancing debt, or business expansion. The 504 loan is built specifically for major fixed assets, like buying real estate or heavy equipment. Microloans are smaller loans, often used by newer businesses that need less capital.
What Are the SBA Loan Requirements in 2026?
To qualify for an SBA loan, your business must be a for-profit company operating in the U.S., meet the SBA's size standards, and show the ability to repay the loan. Beyond that baseline, a few specific rules apply.
Your business needs to fall under the SBA's definition of "small," which varies by industry. Depending on your sector, that's measured by annual revenue, ranging roughly from $1 million to $41.5 million, or by employee count, typically 100 to 1,500 employees.
Owners also need to show they've invested their own time or money into the business. Lenders want to see that you have skin in the game, not just a loan request.
One of the biggest changes for 2026: as of March 1, 2026, 100% of a business's direct and indirect owners must be U.S. citizens or U.S. nationals who live in the U.S. Legal permanent residents, also known as green card holders, can no longer hold ownership in a business applying for an SBA loan. This is a new restriction, since some foreign ownership was allowed before. It only affects new applications submitted on or after March 1, 2026. Loans already issued before that date aren't affected.
What Credit Score Do You Need to Qualify?
Most SBA lenders look for a personal credit score of at least 620 to 680. That's a general guideline, not a hard cutoff. Some lenders may work with lower scores if the rest of your financials are strong, while others may want to see a higher score for larger loan amounts.
Lenders will also look at how long you've been in business. Two or more years of operating history is typical for standard 7(a) loans, though some programs are more flexible for newer businesses.
One recent change worth knowing: as of March 1, 2026, the SBA no longer requires the FICO Small Business Scoring Service (SBSS) prescreen for 7(a) Small Loans of $350,000 or less. That doesn't mean credit doesn't matter. It means one specific automated prescreening step was removed from the process for smaller loans.
SBA Loan Documents You'll Need to Apply
Gathering your paperwork before you apply speeds up the process significantly. Most SBA lenders will ask for:
- Business and personal tax returns
- Financial statements, including a profit-and-loss statement and balance sheet
- A debt schedule listing your current business debts
- Business licenses and registration documents
- A business plan
Having these ready before you start an application can shave weeks off the process, since incomplete paperwork is one of the most common reasons SBA applications stall.
How Much Does an SBA Loan Cost?
SBA loan rates are capped by the SBA, though the exact cap depends on your loan size. As of August 2026, SBA 7(a) loans typically price off the prime rate plus a lender spread, with maximum allowable rates ranging from about 9.75% to 14.75% depending on the loan amount and term.
Smaller loans carry higher rate caps. Loans of $50,000 or less can be priced up to the base rate plus 6.5 percentage points. That cap shrinks as the loan size grows: loans over $350,000 are capped at the base rate plus 3.0 percentage points. Because rates move with the prime rate, it's worth checking current numbers before you apply.
Frequently Asked Questions
Most SBA lenders look for a personal credit score of at least 620 to 680. It's a general guideline rather than a hard cutoff, so some lenders may work with a lower score if the rest of your financials are strong.
As of March 1, 2026, no. SBA rules now require 100% of a business's owners to be U.S. citizens or U.S. nationals living in the U.S., so legal permanent residents can no longer hold ownership in a business applying for an SBA loan.
The 7(a) loan is the SBA's general-purpose program, used for working capital, equipment, and expansion. The 504 loan is built specifically for major fixed assets, like real estate and heavy equipment.
It depends on your loan size. Loans of $50,000 or less can carry a rate up to the base rate plus 6.5 percentage points, while loans over $350,000 are capped at the base rate plus 3.0 percentage points.