SBA and Bank
Term Loans
Qualify for government guaranteed loans up to 5 Million with term up to 25 years with one of the best rates available for business. Get access to trusted, low-cost capital to support and build your business.
Helping Finance Small Business
A SBA loan is a business loan that is backed/guaranteed by the Small Business Administration (SBA) This means a lender will be more likely to approve a larger amount with a longer term because the Government will cover it if the client for whatever reason defaults.
Some of the best rates available for business. Long term payments 25 years for land or business acquisitions, 10 years for general SBA and 7 years for working capital. Access to a large amounts of capital, up to 5 Million.
EXPRESS SBA: Streamlined SBA Loans with one simple application, an opportunity for faster funding and low interest rates
Lending4BiZ is now offering access to more streamlined SBA loan options ranging from $30,000 to $150,000 through our bank partners.
These loans require less documentation and are not subject to cash flow underwriting requirements.
SBA loans from $30,000 to $150,000 may offer faster loan approvals and fundings for eligible applicants. Borrowers may receive funds in as little as 10 days following bank approval.
Here’s what to know:
Terms
- Loan amount: From $30,000 to $150,000 (subject to credit approval)
- 10 year repayment term
- Pricing: Typical interest rates are a variable rate of Prime Rate plus 2.75% – 3.75%
- No prepayment penalties
Pre-qualification minimum criteria
- 2 years in business
- 700+ FICO score
- No bankruptcies in the past 3 years
- No outstanding tax liens (General SBA Eligibility rules apply)
- $150,000+ in annual business revenue
Typical approval requirements
- 1 year personal tax returns
- 2 years of business tax returns
- Driver’s License (color photo of the front and back of license)
FUNDING
✓ Loans from $30,000 to $5,000,000
✓ Variable interest rates from 4.75%
✓ 10 to 25 year terms
✓ Monthly repayments
✓ No pre-payment penalties or balloon payments
✓ SBS Commercial Real Estate (CRE) Loans
✓ SBA Working Capital | Debt Refinance Loans
✓ SBA 7(a) , 504 Loans
QUALIFICATION
✓ Min 2 years in business
✓ US based business
✓ Cash flow to support loan payments (verified with tax returns)
✓ Good Credit
✓ No bankruptcies, judgments or foreclosures in last 3 years
✓ No outstanding tax liens
✓ At least 51% of the property’s square
footage must be occupied and used by the business (for CRE Loans)
What Makes Us Different
Have Some Questions?
Small businesses get financing from different lending organizations. As a small business owner, you can get financing from banks, private lenders, and financing institutions. We offer various funding options for small businesses like yours, so you can thrive and achieve your goals.
No, small business loans aren’t hard to get if you go to the right place and follow the necessary procedures. Request your FREE Business Funding Assessment to learn more about different loan and credit options available for your business that much easier to qualify for than traditional bank loans.
GGet started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today! After identifying the best funding and credit options that are specific for your current business situation and receiving necessary documents (in most cases it is a one-pager loan application, 3-6 last months of business bank statements, consolidated FICO report), you will get funding offer(s), usually within 24hr-48hr (depends on funding solution)
BBeing entrepreneurs we understand importance of having appropriate financial support in right time for your business. We tirelessly work on maintaining and growing our financial solutions portfolio to provide you with short and long term funding and fill you with confidence in your present and future business operations.
We offer creative financial programs with significantly lower approval requirements compared with traditional bank loans, so our funding solutions are the fastest and easiest way to obtain the capital you need.
UUsually approval takes up to 48 hours. Approval time may vary depending on requested product, how quickly you provided required supporting documents and information, and amount of funding being requested. We value your time and vigorously requiring our lending partners to maintain fast and common-sense underwriting process.
There is no minimum credit score requirement to qualify for a business loan. We work with multiple reputable lenders who will consider other factors to qualify you for a business loan. There is always a suitable solution for motivated entrepreneurs which our financing advisors are ready to help with.
There are financing solutions for pre-revenue or young businesses that cannot qualify for a traditional business line of credit. These financing options are contingent on your personal credit and verifiable income.
Get started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today!
Yes, banks lend to small businesses; however, not in all cases. That is why we are here for you. We say yes to your business’s financial needs when banks say no to you.
EEach business is unique as well as your financial situation. That is why we work with multiple leading financial institutions to accommodate various scenarios and help small businesses to get support they need. Your dedicated advisor will go with you all the way to find the best possible solution for you and your business.
IIn our portfolio we have a seasoned lenders to finance a wide spectrum of industry groups in a variety of sectors from Dry Cleaners to Aerospace.
Though there may be some restricted industry types for specific financial product requested
YYour dedicated advisor will work with you to better understand your business needs (short term and long term). You will review provided funding options to determine which financing solution best suits your current business needs and make a final decision which one to take.
Get started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today!
There are NO upfront application fees of any type. For certain loan types, there may be associated origination fees which would be properly disclosed on a contract and only deducted after funding.
Getting hard or soft credit pull depends on the loan type. Typically, a soft inquiry is done upon pre-approval. After an offer has been accepted, a hard inquiry is done. Though, in some cases only soft inquires should suffice or no credit check required.