Loan Solutions

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.
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