SBA Loans

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One of the best tools for financing the needs of a growing business is a U.S. Small Business Administration ("SBA") loan. Briefly, eligible businesses can obtain a loan from a lender which is guaranteed by the SBA to buy or build owner/user real estate, purchase equipment, or add to working capital with better rates and terms than they could obtain on their own. (For a detailed explanation of SBA loans click here) Yet, our experience over many years and many loans, borrowers will often dismiss this alternative out-of-hand. Completely puzzled by this reaction, we conducted extensive research into the reasons for such an unexpected reaction.

What we found was a reluctance to pursue SBA financing because of false notions from a borrower (or their friend) dealing with a lender or consultant who was not an "expert" at the process. The facts are that SBA financing can be extremely beneficial and attractive if you know how to go about it. With SBA financing, you can receive better rates and terms than conventional financing. Review the key benefits section below, don't forget to look over our Guide to SBA Loans click here then deal with a pro and call Capital Finance.

Key Benefits

Lower Interest Rates

Because the lender earns a significant portion of the income on your loan from selling your loan in the secondary market, lenders are compensated for making your loan by someone else, not you. For this reason, they are anxious to make SBA loans and will negotiate lower rates on the same loan than if it were made without the SBA guaranty.
Longer Terms

Money is the lender's inventory. Like any business, the lender wants to "turn" his inventory as much as possible. Having an SBA guaranty on your loan opens up a well-established market for the sale of your loan after it is made. This means the lender can easily give you a term on your loan of 7, 10 or 25 years and still have his inventory back quickly so he can "turn" it again. As a result, a lender is much more inclined to give a longer term on this type of loan because it can easily be sold at a profit to the lender.
Easy to Qualify

Since a very large portion of your loan is guaranteed by the SBA, there is less risk to the lender and he is more inclined to give you the benefit of the doubt on your loan application.

We have focused on SBA loans here because that is the most common type of government guaranteed business loan. Borrowers should keep in mind that there are many programs available through SBA each with their own special benefits and uses. Additionally, other government agencies provide similar loan guarantees with some exceptional benefits based upon geographic location and loan purpose.

When applying for an SBA or other government guaranteed financing, the initial impression you get of forms to be filled out and information to be supplied can be intimidating. Capital Finance knows how to cut through the intimidation, get the paperwork done, and get you the best deal.

For a free review of your situation, fill in a brief summary of your request here, call us at (760) 776-5749 or Email us here .

"Bonded and Licensed California Commercial Finance Lender"

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Contact Information:

Telephone:: (760) 776-5749
Facsimile:: (760) 776-9179
Postal address:: Capital Finance
45605 Navajo Drive
Indian Wells, California 92210-8872
Electronic mail: General Information: CapitalFin@pipeline.com; Loan Information: Loan Information@IndianWellsCapital.com; Underwriting: Underwriting@IndianWellsCapital.com