Personalized Financing Consultation
Our dedicated financing experts begin with a one-on-one consultation to understand your unique business needs and goals. We meticulously review your financial situation, industry context, and growth plans. With this tailored insight, we craft a customized loan strategy aligned with your vision. The result? You gain a clear roadmap and peace of mind, knowing you have personalized guidance to select the financing that fits your business perfectly.
Data-Driven Loan Matching (Global Cash Flow)
Using our proprietary global cash flow analysis, we evaluate every aspect of your company’s cash flow, expenses, and debt obligations across all income streams. The result is a financing solution optimized for affordability and flexibility, maximizing your chances of approval while securing the most favorable terms available. In short, we leverage complex data to empower you to choose the optimal loan for your business confidently.
Proactive Loan Stress Testing
Before you commit to any loan, we put your financing plan through rigorous stress tests. By simulating different economic scenarios and market fluctuations, we identify potential risks and weaknesses in advance. This proactive analysis lets you shore up your loan structure and business plan against volatility. By anticipating challenges, you protect your business in turbulent markets and confidently move forward, so that unexpected changes won’t derail your goals.
In-Depth Financial Analysis (EBITDA Modeling)
Our extensive financial analysis tool deepens your business’s performance using EBITDA metrics and cash flow projections. We provide clear insights into profitability, cash flow generation, and debt service capacity, giving you a comprehensive view of your company’s financial health. This detailed analysis helps you make informed strategic decisions and strengthens your loan application by highlighting your business’s strengths and demonstrating its ability to thrive with the new financing. With SBA-Capital’s expert guidance and these powerful tools, you can navigate the loan process confidently. We put you in control of your financing journey, helping you secure the funding you need to grow and succeed.
Loan Amount Guidelines with SBA-Capital
At SBA-Capital, we offer structured financing solutions designed to support growth across a wide range of industries:
- SBA 7(a) Loans – Secure up to $5 million per eligible business or operating entity, with total combined loan exposure not to exceed $10 million.
- SBA 504 Loans – Access up to $16.5 million in financing through the SBA 504 program, including a 25-year fixed-rate debenture ideal for real estate, equipment, or facility expansion.
- 100% Financing Available Through Equity Monetization – We help you unlock and monetize your equity—whether in real estate, equipment, or other assets—to secure up to 100% financing, even for high-capital projects.
Business Loans to Purchase, Renovate, Construct, or Refinance
Qualification: Must be a U.S. citizen or have a Green Card with a minimum Credit Score of 650
SBA-CAPITAL’S MINIMUM LOAN $500k
