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SBA loans
SBA programmes trade speed for terms. If you can wait 30 to 90 days, the longer amortisation and lower down payment are often worth considerably more than a fast approval.
Equipment and assets covered
- 7(a) for working capital, equipment, and acquisition
- 504 for real estate and major fixed assets
- Terms substantially longer than conventional equipment finance
- Lower down payments, typically 10–15%
- Personal guaranty required from 20%+ owners
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Three steps to funded
Apply
About five minutes. Business details, the equipment, and an authorised signature.
Underwrite
We review credit, time in business, and the asset, then come back with a specific structure.
Fund
Documents go out electronically. Once signed, we pay your vendor directly.
SBA loans questions
Plan on 30 to 90 days depending on programme and complexity. If your equipment purchase has a two-week deadline, conventional financing is the realistic route.
Not always, once packaging and guaranty fees are counted — but the longer term usually means a materially lower monthly payment, which is often what actually matters.
Yes. A common structure is SBA for the long-lived assets and conventional equipment finance for machines you'll replace sooner.
Pre-qualification uses a soft pull, which does not affect your score. A hard inquiry is run only once you accept terms and ask us to prepare documents.
Requests up to $150,000 are typically application-only for established businesses: one page plus the equipment quote. Above that, expect to provide two years of business tax returns and recent bank statements.
Other financing we do
Ready to put the equipment to work?
Send us the quote, the listing, or the auction lot. We'll come back with a structure and a payment today.