SBA loans — when the deal calls for it.

SBA structures we work with

• SBA 7(a) — up to $5 million for working capital, equipment, business acquisition, and mixed-use deals. The most flexible SBA structure.
• SBA 504 — up to $10 million for owner-occupied commercial real estate and major equipment purchases. 25-year fixed rate on the real estate portion — extraordinarily rare in conventional commercial real estate.

Our SBA bank partners are large, established lenders with deep SBA experience. You get the SBA's terms with TAC quarterbacking the process.

What to expect from the SBA process

Step 1 — Phone call. Before any paperwork, we have a conversation to see if SBA is actually the right path for your deal. SBA is powerful but slow. Sometimes a faster equipment-finance or working-capital program is the better tool.

Step 2 — Timeline. Plan on 45 to 90 days from start to close, depending on complexity:

• Around 45 days for equipment financing or working capital
• 60 days or more if real estate is involved

If you need money in days or weeks, SBA is not the right tool — we'll route you to a faster program.

Step 3 — Debt Service Coverage Ratio (DSCR). The single biggest factor for SBA approval is your DSCR — your tax returns need to show enough income to service the new loan AND your existing loans. We pull this calculation early so there are no surprises later in underwriting.

Step 4 — The paperwork. SBA requires lots of paperwork. It is overwhelming at times. We've helped many customers work through the process and we'll walk you through every step. No application fees from TAC. Standard SBA closing fees apply per the SBA's published fee schedule.

SBA is also a powerful refinance tool

If your business is carrying high-payment debt — merchant cash advances, short-term equipment loans, short-term real estate loans — an SBA loan can refinance all of it into one lower payment.

This is often how we get a file's debt service coverage ratio into approval range. We've helped many customers consolidate stacked merchant cash advances into a single SBA-structured payment that actually leaves room in the business to grow.

Who SBA works for — and who it doesn't

SBA is built for:

• Established small businesses with at least one strong recent year of cash flow
• Owner-operators — people who take an active role in the business they're financing
• Expansion deals — buying real estate to use in your own operation, adding equipment, acquiring another business
• Refinance deals — consolidating high-payment debt into one manageable SBA loan

SBA can work for startups — projections, your industry experience, and a solid business plan can carry a file — but the bar is higher and approval is less likely than for established businesses.

SBA does NOT fund investment property. SBA real estate has to be owner-occupied — your business uses the property. For investment property, you want a conventional or commercial real estate loan, which we also offer.

Why operators pick SBA when the deal allows for the time

• 10-year terms on equipment. Most conventional banks won't finance equipment for 10 years. SBA does — and the longer term lowers the monthly payment significantly.
• 25-year fixed rate on real estate. Rare to impossible to find from a conventional CRE lender. SBA 504 delivers it.
• Higher amounts. $5M on 7(a), $10M on 504 — well above what most equipment-finance programs will write.
• Refinance high-payment debt into one lower SBA payment.
• Owner-operator friendly — the SBA's mission is to support small business owners, not Wall Street.

What this looks like in practice

A few years ago, a brand-new startup trucking company came to us for their first equipment loan. We financed their first truck and helped them get on the road.

Over the next several years, their fleet grew. By the time they called us back, they had a real business — multiple trucks, real revenue, and a problem: where to store the fleet at night. They wanted to buy a vacant lot to use as their yard.

That's the textbook SBA scenario — an established small business buying real estate to expand its own operation. We took the file through SBA 504, navigated the paperwork with them, and the SBA approved the property purchase.

Same customer. Started with a single-truck equipment loan from us. Came back years later for an SBA real estate deal to grow the business. That's the kind of long-term financing relationship SBA loans build.