Welcome!

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Most for profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise. 

• Retail and service businesses with sales (3-year average) not exceeding $6 million to $20 million, depending on the industry
• Wholesale businesses with employees up to 100, regardless of sales volume 
• Manufacturers with employees up to 500, depending on the industry, regardless of sales volume.

There are a number of advantages to an SBA loan: longer terms, no points and no balloon payments. 

• SBA guarantee fee: 1.70% to 2.60% of the loan amount 
• Fee can be financed in the loan 

• Commercial Real Estate - (purchases, construction, or refinance)
• Leasehold Improvements 
• Business Expansions - (Machinery, equipment, furniture or fixtures)
• Business Acquisition -Working Capital (offered in conjunction with some of the above) 
• Start-Ups (ALL Franchises, Motels, Restaurants, Gas stations and C-Stores)

• Business must have adequate historic cash flow to cover the proposed debt
• Business debt to net worth must meet indusrty averages
• Borrowers must be actively involved in the day-to-day operation of the business

Customers have questions, we have answers. Give us a call or use the contact form below and we're happy to answer any question you may have.