SBA 7(a) Loans

Looking to launch or grow your small business? Traditional lending guidelines may not allow certain loans your business needs. In fact, small business owners often find it difficult to secure financing for general business purposes. An SBA 7(a) loan from United Structured Finance Company (USFC) can provide the funds and terms you need to move your business forward.

Loan Highlights

Up to 90% financing on total project costs
Requires as little as 10% borrower equity
Projects ranging from $250,000 to $2 million
Floating rates with no prepayment penalties (except for real estate loans amortized 20 years or more)
Amortization
- Up to 25 years for real estate
- Ten years for equipment, working capital, and startup costs
- Ability to approve loans based on projections provided by the borrower

Benefits for Your Business

While traditional loans require a down payment of 20% or more, SBA 7(a) loans from USFC are available with as little as 10% down, so you can protect your cash reserves.
Mortgage terms of up to 25 years for real estate (compared to 15 or 20 years with conventional financing) help you reduce monthly mortgage payments.
You can also wrap mortgage fees and expenses into your loan to preserve limited working capital.
Even if your company is in an industry that banks are traditionally hesitant to finance, USFC offers lending assistance to any qualifying business.
Fully-amortizing loans mean no balloon payments and no added refinancing expenses.
Finally, to help you consolidate your debt, your SBA 7(a) loan can be used to finance both real estate and capital equipment purchases.

Questions?

If you have any questions about the SBA 7(a) loan or the application process, we invite you to contact us today. We look forward to serving your company’s financing needs.

Secure the funding you need to grow your business.
Apply for an SBA 7(a) loan today.