SBA Loan Programs
New SBA Rule as of June 1st , 2025
SADLY THE SBA WILL NO LONGER LEND TO BUSINESSES WITH MCA DEBT. LET ME HELP YOU GET YOUR MCA'S REFINANCED INTO A TERM LOAN. ONCE THE MCA's ARE NO LONGER ASSOCIATED WITH YOUR BUSINESS, YOU CAN QUALIFY FOR AN SBA LOAN!
SBA Disaster Recovery Loans and the CARES Act
SADLY THE SBA WILL NO LONGER LEND TO BUSINESSES WITH MCA DEBT. LET ME HELP YOU GET YOUR MCA'S REFINANCED INTO A TERM LOAN. ONCE THE MCA's ARE NO LONGER ASSOCIATED WITH YOUR BUSINESS, YOU CAN QUALIFY FOR AN SBA LOAN!
SBA Loan Programs – The Small Business Administration seeks to solve small business cash flow problems by providing operating working capital small business loans to merchants of small and mid-sized businesses.
They also want to help start-ups, and promote commerce and enterprise in particular areas, occupations, industries. The SBA is a government agency and although we can help you get one of their loans, we are not affiliated or endorsed by them.
SBA Eligibility Requirements
- Business owners must be American citizens.
- No previous or outstanding defaults on government-backed loans.
- No tax liens or judgments filed any business, principal, or guarantor.
- No delinquent taxes owed to the IRS.
- No open litigation that could cause financial penalties.
- You must have a detailed business plan.
- Full documentation required with profit loss, and balance sheet.
- 10% down payment or capital injection for purchases.
Not Eligible???
Don't worry, the SBA loan isn't the only loan product availabe. If your business isn't currently eligible, give me a call and let's see what we can do get this straightened ouf for you.
To check your own credit,
click here:
SBA Express Loans
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SBA Express Loan Requirements
- SBA Express Loan Requirements
- A 680 FICO credit score.
- Be a current or past US military veteran or the spouse of one.
- Located in an underutilized business zone.
- Sell items that can be exported.
- Sell items on your website that can be shipped to Canada, Mexico, or any other country.
- Go to The Wall Street Journal for a link that shows the latest Prime Rate.
Although you don’t absolutely have to have real estate collateral, it is extremely difficult to get one of these loans without it.
And, there is no minimum FICO credit score requirement for 7(a) Loans, but know that you must have very good credit to qualify. If you think you meet the requirements for either of these SBA Loans, Contact Us to apply …… we’d be happy to help you!
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