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Fill​ this form out to determine your eligibility.

Up to 90% LTV
Bad Credit OK (Not currently in Bankruptcy)
Positive Cash Flow Required (current or Projected from use of Proceeds)
​Foreign Nationals OK in some circumstances
Fully amortized loans. No Balloons
Competitive variable and fixed rate option
Purchase
Refinance
Debt consolidation
Back property taxes
Working capital

Guaranteed Loans

• Hospitality (Hotel & Motel)  
• Mini-Storage
• RV Parks
• Restaurants
• Retail
• Warehouse
• Industrial/light industrial
• Office
• Ground Leases
• Gas Stations
• Assisted Living Facilities
• Equipment Purchase
• Debt Refinance

Convenience Stores
• Day Care Centers
• Dry Cleaners
• Franchises
• CPA
• Health & Fitness Clubs
• Medical & Dental Professional
• Land
• Manufacturing
• Mixed-use
• Resorts
• Restaurants

• Single Users
Veterinary Facilities

The SBA Loan Program provides loans to businesses; so the requirements of eligibility are based on specific aspects of the business and its principals. As such, the key factors of eligibility are based on what the business does to receive its income, the character of its ownership and where the business operates. SBA generally does not specify what businesses are eligible. Rather, the agency outlines what businesses are not eligible.  However, there are some universally applicable requirements. To be eligible for assistance, businesses must: Operate for profit, be small, as defined by SBA, be engaged in, or propose to do business in, the United States or its possessions, have reasonable invested equity, use alternative financial resources, including personal assets, before seeking financial assistance, be able to demonstrate a need for the loan proceeds, use the funds for a sound business purpose, not be delinquent on any existing debt obligations to the U.S. government. The following list of businesses types are not eligible for assistance Ineligible Businesses -- Certain business types are ineligible for SBA assistance.  A non-profit business  Primarily engaged in lending  A passive business owned by developers or landlords that do not actively use or occupy the assets acquired or improved with the loan proceeds that is not an Eligible Passive Company discussed below (e.g. shopping center)  A life insurance company (life insurance agents, however, may be eligible)  Located in a foreign country or owned by undocumented aliens  Selling through a pyramid or multi-level sales distribution plan  Deriving more than one-third of gross annual revenue from legal gambling activities  Engaged in any illegal activity  Restrict patronage for reason other than capacity  A government-owned entity (a small business owned or controlled by a Native American tribe may be eligible if the business is a legal entity separate from the tribe)  Principally engaged in teaching, instructing, counseling, or indoctrinating religion or religious beliefs  A consumer or marketing cooperative (producer cooperatives may be eligible)  Earning more than 1/3 of its gross annual revenue from packaging SBA loans  Business with an associate who is incarcerated, on probation, on parole, or has been indicted for a felony or a crime of moral turpitude  Business in which the Lender or any of its associates owns an equity interest  Business which presents live performances of a prurient sexual nature or derives more than 5 percent of its gross revenue from the sale of products or services, or the presentation of any depictions or displays of a prurient sexual nature  Business that has defaulted, or has a principal who has defaulted, on a Federal loan or Federally-assisted financing resulting in the Federal government sustaining a loss, (unless waived by SBA for good cause)  Primarily engaged in political or lobbying activities  Speculative in nature (such as a shopping center developer, oil wildcatting, or primarily engaged in R&D)   III. Potentially Ineligible Businesses -- The following businesses may be eligible if they meet certain conditions.  Pawn Shops. Eligible only if more than 50% of its gross revenue for the previous year was from the sale of merchandise rather than from interest on loans.  Hotels, Motels, RV parks, Marinas, Campgrounds, and similar type of business. Eligible only if more than 50% of the business’s revenue for the prior year is derived from transients who stay for 30 days or less at a time.  Residential Care Facilities. Eligible if licensed as nursing homes or assisted living facilities.  Income derived from Gambling only Eligible if: a) this income is 1/3 or less of gross annual revenue


Business Owner-User Loans

REAL ESTATE AND BUSINESS LENDING

Extending Credit to America in a less than Perfect World