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SBA Loan Documents: The Complete Checklist
A practitioner’s guide to the sba loan documents lenders actually request — business, owner, transaction, and source-of-funds paperwork.
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The SBA Loan Timeline: What Takes So Long, and Why
Curious about the SBA loan timeline? Here’s where the weeks actually go, why third-party reports are the long pole, and what you can control.
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How Lenders Handle SBA Loan Underwriting: Cash Flow Rules
SBA loan underwriting focuses on debt service coverage, not just credit. Here’s how add-backs work and why aggressive tax returns backfire.
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Refinancing Business Debt With an SBA Loan: What Qualifies
Refinancing business debt with an SBA loan can lower payments or extend terms — but only certain debt qualifies. Here’s the real test lenders use.
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What Is an SBA CDC? Why a 504 Loan Needs One
An SBA CDC is the nonprofit partner behind every 504 loan. Here’s what an SBA CDC actually does and why it matters to borrowers.
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SBA 7(a) Loan Terms: Amounts, Maturities, Amortization
A practitioner’s breakdown of SBA 7(a) loan terms — how loan amounts, maturities, and amortization schedules actually work and interact.
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SBA Loan Restrictions: What You Can and Cannot Finance
SBA loan restrictions cover what’s eligible and what’s off-limits — passive real estate, speculation, and relending funds to another business.
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SBA Size Standards: Does Your Business Qualify as Small?
SBA size standards determine loan eligibility by industry, revenue, and employees — plus the affiliation rules that trip up otherwise-qualified borrowers.
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How to Choose Among SBA Approved Lenders
Not all SBA approved lenders work the same way. Here’s what delegated authority, industry experience, and the right questions reveal.
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SBA Loan vs Conventional Business Loans: Real Trade-Offs
SBA loan vs conventional business loans: compare terms, down payment, documentation, and timeline before you pick financing for your business.
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SBA Loans for New Businesses: What’s Realistic
SBA loans for new businesses are possible but harder to get. Here’s the honest truth on equity, projections, and management experience.
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SBA Working Capital Loan: Funding Equipment vs. Cash Flow
An SBA working capital loan covers payroll, inventory, or equipment — the right program depends on what you’re financing.
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SBA Loan for Franchise Purchases: What Actually Changes
An SBA loan for franchise purchases works differently than other SBA deals. Here’s how the franchise agreement review changes your file.
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SBA Loan Commercial Real Estate: The Occupancy Rule Explained
An SBA loan commercial real estate purchase only works if your business occupies the property. Here’s the occupancy rule, explained plainly.
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Using a Business Acquisition Loan to Buy a Company
How a business acquisition loan through the SBA works, why the target’s financials drive underwriting, and how valuation ties to your purchase agreement.
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SBA Microloan Program: Who It’s For and How It Works
An SBA microloan can fund a small startup or new business — here’s how the SBA microloan program actually works and who it fits.
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SBA Express Loans: Faster Decisions, Smaller Amounts
An SBA Express loan trades some size and terms for a faster decision. Here’s what that trade actually looks like and when it’s worth it.
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How to Use an SBA Loan Calculator to Estimate Payments
An SBA loan calculator helps you estimate payments over long amortization terms. Here’s how the math works and what actually drives your number.
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SBA Guarantee Fee: What It Costs and What Else to Budget
The SBA guarantee fee isn’t the only cost of an SBA loan. Here’s what it’s based on, what varies, and what else you’ll pay.
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How SBA Loan Rates Are Set: Base Rate, Spread & Caps
Curious how SBA loan rates actually work? Here’s the real mechanism — base rate, capped spread, fixed vs. variable — no guesswork, no promises.
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SBA Loan Collateral: What Lenders Actually Require
SBA loan collateral rules explained — the 20% personal guarantee norm, what happens with a shortfall, and how the SBA guarantee actually works.
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SBA Loan Credit Score: What Lenders Actually Weigh
There’s no magic number for SBA loan credit score requirements. Here’s what actually goes into an SBA lender’s decision, beyond your FICO.
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SBA Loan Down Payment: How Much Equity You Actually Need
What’s a realistic SBA loan down payment? Here’s how equity injections work by use of funds, and why the money’s source matters.
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How to Apply for an SBA Loan Application, Step by Step
A loan officer walks through the real SBA loan application sequence — documents, underwriting, third-party reports, SBA authorization, and closing.
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SBA Loans for Small Businesses: Which Program Fits Which Need
SBA loans for small businesses come in different flavors — 504, 7(a), and more. Here’s how to match your need to the right program.
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SBA Loan Requirements: The Complete Eligibility Checklist
SBA loan requirements explained: size standards, for-profit status, owner occupancy, use of proceeds, and what underwriters actually check.
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SBA 504 Loan Explained: The Three-Part Structure
An SBA 504 loan splits financing three ways. Here’s how the bank, CDC, and borrower each fund a piece — and what it does and doesn’t cover.
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SBA 7(a) Loans Explained: How the Program Actually Works
Curious how an SBA 7(a) loan works? Learn how the guarantee, uses, and structure make it the SBA’s most flexible small business loan.
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What Is an SBA Loan? A Guide to SBA Loan Programs
New to SBA loan programs? Here’s a plain-English breakdown of 7(a), 504, Express and Microloans, and how the guarantee actually works.
