SBA 7(a) Express:

  • Rate: 9% - 12% (Prime + 2.75% - 3.75%)
  • Amount up to $350,000
  • 10 years Term
  • Only closing fee, no additional broker fee
  • Processing time: within 1 or 2 months with all requires docs



<Pre Qualifications>

-Minimum credit fico 650

-Minimum of 2 years in business

-Must be a US citizen or a permanent resident

-No bankruptcies or foreclosures within the last 3 years

-No outstanding tax liens

-No delinquencies or default on any government loan

-Minimum annual revenue $500,000 and more

-Maximum tangible asset $15 million, under $5 million annual net income



<Required Basic Documents>

-Recent 2 years of personal & business tax returns

-Year to Date; profit & loss, balance sheet

-Debt schedule

-6 recent months bank statements




SBA 7(a) Business Loan 


  • For any business use
  • Working capital
  • Equipment purchase
  • Inventory
  • Expansion

What is an SBA 7(a) loan?

When you apply for a loan from a bank for various business purposes, it can be a term loan if it is solely provided by the bank. However, if the bank receives approval from the Small Business Administration (SBA), it becomes an SBA loan. The SBA, a federal agency in the United States, guarantees 70%-85% of the loan amount to the lender (bank), reducing the risk for the bank. As a result, SBA loans can be obtained with lower interest rates and longer repayment periods. Term loans typically have a repayment period of 2-5 years, while SBA loans have a repayment period of 10 years and lower interest rates compared to term loans.

We work with specialized SBA banks and experts within the United States to provide the most suitable and favorable conditions. The SBA 7(a) Express program offers quick approval up to $350,000 within 1-2 months, with no separate fees. However, SBA loans can go up to a maximum of $5,000,000. They are available for various business purposes, and the most important factors for eligibility are the profitability indicated in tax returns and personal credit history.

SBA 7(a):

  • Rate: Prime + 2% - 4%
  • Up to $5,000,000
  • 10 years Term
  • Fee after closing
  • ​Processing time: about 3 months



<Pre Qualifications>
-Minimum credit fico 650
-Minimum of 2 years in business
-Must be a US citizen or a permanent resident
-No bankruptcies or foreclosures within the last 3 years
-No outstanding tax liens
-No delinquencies or default on any government loan
-Minimum annual revenue $500,000 and more
-Maximum tangible asset $15 million, under $5 million annual net income


<Required Basic Documents>
-Recent 2 years of personal & business tax returns
-Year to Date; profit & loss, balance sheet
-Debt schedule
-6 recent months bank statements