SBA Loans

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•  2+ Years in Business - Even if your business is just starting to gain momentum, we can help you find a solution!

• $200,000 in Annual Gross Sales - Whether you do $200,000 or $10+ million in annual sales, we have your back!

• 700+ Credit Score Required - You don’t need squeaky clean credit to qualify—we work with all credit profiles.

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•  Longer Terms:  Build your business the right way, with term lengths ranging from 10-25 years. 

• Prime Rate+:  Access the best SBA rates and terms available through one simple application.

• Express Funding: Get streamlined funding on loan amounts of $350K or less.

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•  Loan Amount -  $200,000 – $5Mil

• Flexible Terms -  10-25 Years

• Time to Fund - As Little as 45 Days

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• Traditional SBA 7a Loan: The 7(a) SBA program is the best option for most businesses who have general business needs, like working capital costs. With a 7(a) SBA loan, you can secure up to $5M to repay within 10 or 25 years. 

• CDC/504 Loan Program: A CDC/504 SBA loan program is typically used to cover large fixed assets like commercial real estate or equipment financing. This program offers up to a $5.5M loan with repayment terms lasting either 10 or 20 years. 

• Microloan Program: The Microloan SBA program offers small-sized loans to newer, smaller businesses who are looking to grow and expand. These loans fall under the $100K amount and usually have longer repayment terms across the span of six years.

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• Business Growth - Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.

• Business Expenses - Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.

• Business Opportunities - Expand or open a second location, take on more clients, or capitalize on bulk order discounts.

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1. SBA Loan for Equipment and Technology: 

Technology is moving fast, and as a business owner it’s important to keep up. If you’re still managing payroll or conducting bookkeeping services manually, you could save time and funds by switching to automated softwares.   SBA loans allow you to purchase new equipment and technologies to make running your business more efficient. Whether it’s new vehicles, machinery, computer softwares, or you’re looking to upgrade existing models – SBA financing can help. 

2. SBA Loan for Real Estate:

SBA loans can be used to purchase land, rent office space, acquire commercial property, and even renovate existing buildings or lots. You can even pay for landscaping and other construction costs with an SBA loan.   Although SBA loans are a popular way to finance large real estate transactions, there are some restrictions. For example, you can’t use the proceeds from an SBA loan to purchase a rental property. Your business will have to occupy at least 51% of the space for an existing property or 60% of the space for a new construction. 

3. SBA Loan for Hiring: 

It’s no secret that businesses across numerous industries are struggling to attract talent amid a tight labor market. Thankfully, SBA loans can be used to help your business find and retain new hires. Proceeds from SBA loans can be put towards employee benefits, worker bonuses, and competitive salaries. 

4. SBA Loan for Refinancing:

Many businesses have some type of existing debt. If you’re paying high-interest rates or if your credit score has significantly improved since you first secured financing, you might benefit from refinancing.   Not all business lenders will allow you to use proceeds from a loan to pay off existing debt, but the SBA does. SBA loans can be used to refinance loans, commercial mortgages, business lines of credit, and even other SBA loans. 

5. SBA Loan for Marketing:

It’s helpful to revisit your marketing strategy from time to time. You want to account for any changes in consumer trends, your target market, wider industry trends, and your competitors’ performance.   To strategize and execute a new marketing plan you’re going to need funds – which is where the SBA comes in. You can use a SBA loan to fund market research, lead generations, sales goals, advertising campaigns, and more.

6. SBA Loan for Working Capital Day

To-day costs of running your business can really add up and take a toll on your cash flow. This is especially true for businesses that experience seasonal lulls, and find it difficult to meet their expenses.   Use a SBA loan to pay for rent, utilities, outstanding bills, suppliers, and more. With low interest rates and typically long-repayment terms, SBA financing can help you manage your operations until your cash flow improves. 

A:  A Small Business Administration-backed loan, or an SBA loan, can help your business to get working capital to accomplish any goal, like expanding, purchasing/refurbishing equipment, taking on new real estate or refinancing an existing mortgage or agreement, and more.

SBA loans are one of the most desirable and sought-after types of business loans.Many small business owners apply for an SBA loan before exploring other similar options. Between lower interest rates and substantially longer repayment terms, SBA loans tend to give you the funding you need, without disrupting your cash flow. 

While you can get SBA loans through both financial institutions like traditional banks and online lenders, they aren’t taking all of the risk. These loans are guaranteed through the SBA, a branch of the government dedicated to fostering stronger small businesses.  

Through most lenders, SBA loans come with one drawback: it can take forever (up to 8 months) to complete the process. Banks thoroughly review loan applications, business plans, personal credit score, and more before providing an answer. When you use an SBA loan to drive revenue in your business, it can significantly improve cash flow. 

Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.

• 2+ Years in Business: Hybridge SBA Loans are available to all businesses that need funding to grow.

• $120,000 in Annual Gross Sales: Whether you do $120K or $12 million in a year, we have your back!

• 685+ FICO: You don’t need perfect credit to qualify—just a score of 685+.

The Hybridge SBA Loan was created from the demand of small business owners for a simpler, faster SBA process. If you want all the great terms and low rates of an SBA loan, but you can’t wait to get funded, then the Hybridge SBA Loan is the right choice for you.

• Immediate Bridge Capital -Get capital in as little as 24 hours to eliminate prolonged SBA wait times. 
• Quick, Streamlined SBA Process - Through an exclusive process, receive SBA financing in as little as 45 days.
• Increased Approval Rates - Receive multiple offers through our exclusive global marketplace of 75+ lenders

•  Loan Amount -  $50,000 – $5Mil 

• Flexible Terms -  10-25 Years  

• Time to Fund - 1-3 Days

Business Growth - Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.

Business Expenses - Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.  

Business Opportunities - Expand or open a second location, take on more clients, or capitalize on bulk order discounts.