United States Small Business Administration (SBA) Loan

Trust Alliance Capital has been helping entrepreneurs achieve their business goals for over 20 years through SBA loans.  Looking to expand your business, acquire another business, buy new equipment, refinance, or consolidate debt?  An SBA loan will help you achieve your goal.  SBA loans offer higher Loan-To-Value than conventional loans and have better rates and longer terms.  

Who is eligible for an SBA loan?

Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.

SBA Loan Qualifications

Operate for profit
Be small, as defined by SBA
Be engaged in, or propose to do business in, the United States or its possessions

SBA 7(a) Loan Size up to $5.0 Million

90% LTV
Owner Occupied
All Property Types considered Including Hotels and Gas Stations
Debt Coverage Ratio 1.25
No credit minimum
6%-8% Interest
25yr amortization
5yr, 10yr, 25 yr fixed
Nationwide, no restricted industries

SBA 504 Loan Size up to $10.0 Million

Purchase or Construction
90% LTV
Owner Occupied
Nationwide
All Property Types Considered
Debt Coverage Ratio 1.20
No credit minimum
20 yr and 25yr amortization
3yr, 5yr, 10yr, 25yr Fixed Terms
6%-8% Interest
No Restricted Industries

SBA Loan Use of Proceeds

Commercial real estate (purchases, construction, or refinance)
Leasehold improvements
Business expansions
Machinery, equipment, furniture or fixtures
Business acquisition
Working capital (offered in conjunction with same of the above)
Start-ups (ALL Franchises, Motels, Restaurants Gas Stations and C-Stores)

Other SBA loan Credit Considerations

Business must have adequate historic cash flow to cover the proposed debt
Business debt to net worth must meet industry averages
Borrowers must be actively involved in the day-to-day operation of the business
Ineligible Businesses

Not Eligible for an SBA loan?

Call us.  We have several other programs that could work.  We're flexible.

Give Us a Call 208.534.8525