SBA 7(a) and SBA 504 Loans

Passionate – Dedicated – Professional

SBA Loans are a Specialty at Alliance Business Capital

Alliance Business Capital has been specializing in SBA Loans since 2010.

easy qualification

With Our Streamlined Process

lTV’s up to 90%

Special Use Properties to 85%

Owner Operated Businesses

SBA Loans are available in every State for Owner Operated Businesses

Passionate – Dedicated – Professional

SBA Loan Programs

Alliance Business Capital can assist with the following SBA Loan Programs throughout the U.S.

What is a 7(a) loan?

The 7(a) loan program, SBA’s primary business loan program, provides a loan guarantee to lenders that allow them to provide financial help for small businesses with special requirements. 7(a) loans can be used for:

  • Acquiring, refinancing, or improving real estate and buildings
  • Short- and long-term working capital
  • Refinancing current business debt
  • Purchasing and installation of machinery and equipment, including AI-related expenses
  • Purchasing furniture, fixtures, and supplies
  • Changes of ownership (complete or partial)
  • Multiple purpose loans, including any of the above

The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Alliance will help you figure out which type of loan is best suited for your needs.

Am I eligible?

To be eligible for 7(a) loan assistance, businesses must:

  • Be an operating business
  • Operate for profit
  • Be located in the U.S.
  • Be small under SBA size requirements
  • Not be a type of ineligible business
  • Not be able to obtain the desired credit on reasonable terms from non-federal, non-state, and non-local government sources
  • Be creditworthy and demonstrate a reasonable ability to repay the loan

What is the 504 loan program?

The 504-loan program provides long-term, fixed rate financing for major fixed assets that promote business growth and job creation.

Certified Development Companies (CDCs) are authorized by SBA to originate in collaboration with a senior lender a 504 loan, SBA’s community-based nonprofit partners who promote economic development within their communities. CDCs are certified and regulated by SBA.

The maximum loan amount for a 504 loan is $5.5 million.

Am I eligible?

To be eligible for a 504 loan, your business must:

Other general eligibility standards include falling within SBA size guidelines, having qualified management expertise, a feasible business plan, good character and the ability to repay the loan.

Loans cannot be made to businesses engaged in nonprofit, passive, or speculative activities. For additional information on eligibility criteria and loan application requirements, small businesses and lenders are encouraged to contact a Certified Development Company in their area.

How do I use a 504 loan?

A 504 loan can be used for a range of assets that promote business growth and job creation. These include the purchase or construction of:

  • The purchase, construction or renovation of existing buildings or land
  • Long-term machinery and equipment with a useful remaining life of a minimum of 10 years, including project-related AI-supported equipment or machinery for manufacturing products
  • Consolidating debt under the conditions listed in 13 CFR 120.882, paragraph (e) and
  • Repaying or refinancing debt defined as “qualified debt” under 13 CFR 120.882, paragraph (g)

A 504 loan cannot be used for:

  • Working capital or inventory
  • Consolidating, repaying or refinancing debt that does not meet the definition of “qualified debt” under 13 CFR 120.882, paragraphs (e) and (g)
  • Speculation or investment in rental real estate

We will need the following items on all shareholders / owners holding a 20% or more ownership in the borrowing entity.

Loan Forms:

Documents

  • Personal Tax Returns for the most recent 3 years – need the complete Federal Tax Returns only, however we need the complete returns with all schedules and including W-2’s and K1’s for all 3 years
  • If applicable, we need the business returns for all entities for the most recent 3 years – need the complete Federal Tax Returns with all schedules
  • 2 ID’s – good copies of 2 government issued ID’s (e.g. Driver’s License and Passport)
  • Current year to date profit and loss statements with balance sheet and business debt schedules on all business owned by borrowers through the end of the most recent month

Additional Items

  • If a purchase, we will need an executed copy of the purchase contract, the sellers most recent 3 years tax returns and a current year to date profit and loss statement with balance sheet
  • If new construction, we will need a copy of the approved plans and the general contractor’s quote
  • If a franchise, we will need a copy of franchise agreement
  • If a PIP is involved, we will need a copy of the PIP and Contractor’s Quote to complete
SBA Loans - Small Business Financing

Passionate – Dedicated – Professional

Work with Alliance Business Capital on your SBA Loan Request

Our Process to get your SBA Loan request approved.

SBA Loans typically take 45 – 60 days to close from acceptance of a term sheet.

complete application

Complete our application and gather required documents from borrower.

third-party reports

Borrower puts up a deposit and third-party reports are ordered.

initial underwriting

Initial review of business financials and other supporting documents.

final underwriting

Review of Third-Party Reports and issuance of Loan Commitment.

term sheet

After Initial Underwriting if everything looks good a term sheet is issued.

loan closing

Upon acceptance of the Commitment Letter loan goes into closing.

Get Started

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SBA Loan Flyers

Download our SBA Loan Flyers

SBA Loans - Small Business Financing

Nationwide SBA Financing

Alliance Business Capital offers SBA 7(a) and SBA 504 Loans from $500,000 up to $15,000,000 as a commercial Loan Intermediary. Our team works directly with SBA – approved lenders to help borrowers secure financing efficiently across all 50 states.

It All Starts With a Conversation!

Have a deal you’d like to discuss? Partner with Alliance – we’re results-oriented and focused on helping you close transactions efficiently.

For Commercial Real Estate Financing, Please call

(866) 712 4175

info@alliancebusinesscapital.com