Who This Is For
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Established businesses (2+ years)
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Companies seeking lowest rates
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Businesses making large investments
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Companies with strong credit
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Businesses purchasing real estate
Key Benefits
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Lowest Rates
Government-backed = lower risk
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Long Terms
Up to 25 years for real estate
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Lower Down Payments
As low as 10%
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Government Guarantee
Reduces lender risk
Common Use Cases
Commercial real estate purchases
Business acquisitions
Major equipment purchases
Working capital for growth
Refinancing existing debt
Business expansion
Pros & Cons
thumb_up Advantages
- • Lowest interest rates available
- • Longest repayment terms (up to 25 years)
- • Lower down payments required
- • Government guarantee reduces risk
- • Larger loan amounts available
info Considerations
- • Lengthy application process (30-90 days)
- • Extensive documentation required
- • Strict eligibility requirements
- • Personal guarantee typically required
- • SBA guarantee fees (2-3.5%)
compare_arrows vs. Conventional Bank Loans
- ✓ Lower interest rates due to government guarantee
- ✓ Longer repayment terms available
- ✓ Lower down payment requirements
- ✓ More accessible for qualifying businesses
- ✓ More paperwork but better terms
Typical Terms
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Amount
$50,000 - $5,500,000
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Funding Speed
30-90 days
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Rates
Prime + 2.25% - 4.75%
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Term Length
10 - 25 years
Minimum Qualifications:
- check 2+ years in business
- check Strong credit (680+)
- check $250K+ annual revenue
- check For-profit US business
- check Demonstrated ability to repay
No impact to your credit score