Loan Solutions
SBA Working Capital Loan
Refinance and general working capital
Terms:
- Loans from $30,000 to $350,000
- Interest rates from 8% to 10%
- Repayment term 10 years
Qualifications:
- The business must be 2+ years old
- Personal credit scores above 650
SBA Working Capital Loan for Young Companies
Refinance and general working capital
Terms:
- $150,000, $250,000 or $350,000 loans
- Interest Rate, Prime + 2.75%
- Repayment term 10 years
Qualifications:
- Must have been in business for at least 6 months
- Minimum monthly revenue of $12,000
- Personal credit scores above 660
SBA Large Startup Loans
Capital for your startup
Terms:
- $500,000+ loans
- Interest rates from 8% to 10%
- Repayment term up to 10 years
Qualifications:
- Minimum equity injection of 25%
- Relevant industry experience
- Personal credit scores above 750
Small Startup Loans
Capital for your startup
Terms:
- $20,000 to $200,000 loans
- 100% financing available
- No personal collateral
- Won’t affect personal credit
- Interest rates from 8% to 20%
- Repayment term up to 10 years
Qualifications:
- Terms based on personal credit score
- Amount approval based on personal income
SBA Business Acquisitions Loan
Finance 100% change of ownership
Terms:
- Loans from $500,000 to $5,000,000
- Interest rates from 6.75% to 8%
- Repayment term up to 25 years
Qualifications:
- At least 51% owner occupied
- 10% minimum down payment
- The business must be 3+ years old
- 725
SBA Commercial Real Estate
Refinance or Purchase
Terms:
- Loans from $500,000 to $5,000,000
- Interest rates from 6.75% to 8.00%
- Repayment term 25 years
Qualifications:
- At least 51% owner occupied
- The business must be 3+ years old
- Personal credit scores above 675
Investment Real Estate
Refinance or Purchase
Terms:
- Loans from $250,000 to $3,000,000
- Interest rates from 4.75%+
- 5, 7, 10% years, fixed
Qualifications:
- Personal credit scores above 660
- Maximum Loan to Value 75%
- Minimum Debt Service Coverage Ratio 1.2X
Asset Based Loan
Refinance or Purchase
Terms:
- Loans from $300,000 to $3,500,000
- Interest rates from 10%+
- 5 fixed rate, 25 year amortization
Qualifications:
- Personal credit scores above 500
- Maximum Loan to Value 70%
- Minimum Debt Service Coverage Ratio 1X
Other case specific loans include
- Business & Industry Loans from USDA. Ideal for infrastructure and commercial loans in rural America.
- Export loans, both EXIM Bank and SBA Export
- Emerging Markets Infrastructure Loans. American companies investing abroad may access an array of loan guarantee programs.