SBA Loans

Finance with SBA-Approved Funds

sbaWe’re fully licensed to offer a range of SBA loans that are tailored to fit the needs of small business owners. These special financing programs are available for new business development, acquisition and operational expansion. If you’re an entrepreneur experiencing growing pains, then call us today.

Our SBA Loan Program

Express Capital Financing is your source for SBA loans. Our experienced SBA lenders can structure deals to meet your financing needs. Let us be a strategic partner in your success and help you grow your business. SBA lending is what we do.

At Express Capital Financing, we’re fully licensed to offer 7(a) and 504 funding. If you’re looking for a small business loan to purchase commercial real estate or heavy machinery/equipment, the SBA 504 loan is the best choice. If purchasing a business or getting working capital is the goal, the SBA 7A loan is likely the better tool. More explicitly, with a SBA 504 loan, proceeds can be used to buy a building, finance ground-up construction or building improvements, or purchase heavy machinery and equipment. 7A loan proceeds can be used for short-term or long-term working capital and to purchase an existing business, refinance existing business debt, or purchase furniture, fixtures and supplies.

These programs have specific requirements, but we’re able to negotiate rate options based on your applicant profile. If you’re a service provider, you cannot have more than 100 employees on payroll. Likewise, manufacturers must staff fewer than 500 employees to qualify for financing. These programs are not available to non-profits, but they do provide assistance for employee stock ownership plans. They also come with great incentive for specialty businesses.

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PROFESSIONALS

Architects, Attorneys, CPAs, Dentists, Doctors (with designation
MD), Engineers Environmental Professionals, Insurance Agencies,
Pharmacies/Drug Stores, Veterinarians.

Exclusive financing for professionals include:

  • Practice start-up, Practice expansion, Practice acquisition
  • Partner buyout, Owner-occupied commercial real estate

REFINANCES

  • No Equity injection required
  • Must save at least 10% on current debt services
  • Up to 25-year term

COMMERCIAL REAL ESTATE EXPANSION LOANS

  • Can include working capital, equipment and improvements
  • Must be in business at least two years
  • Up to 90% financing, up to 25-year term

COMMERCIAL REAL ESTATE

  • Up to 90% financing, 25-year term
  • 51% or more owner occupied
  • SBA 7a or 504 loans
  • Can include working capital, equipment, improvements and closing costs

BUSINESS ACQUISITION

  • Up to 75-80% financing
  • Up to 100% financing for partnership buyout
  • Up to $2million goodwill
  • Buyer must have related experience
  • Can include working capital

FRANCHISE FINANCE

  • Up to 85% financing for acquisition
  • Up to 85% financing for expansion
  • Up to 80% financing for start-up

REAL ESTATE LOANS

Our small business funds are available for purchasing, renovating and developing real estate. Commercial properties must be partly owner-occupied, but we offer assistance for most categories, including:

  • Restaurants & Retail stores
  • Hotels and Motels
  • Auto Dealerships and Repair Shops
  • Convalescent Hospitals & Veterinary Clinics
  • Daycares & Laundromats
  • Warehouses and Industrial Facilities
  • Manufacturing Plants and Office Buildings
  • 5+ Unit Apartment Complexes

EQUIPMENT FINANCING

Our small business loan is even available for non-real assets, such as:

  • Printing and Binding Equipment
  • Machinery and Tools
  • Healthcare Diagnostic Equipment
  • Cars, Trucks, Forklifts and Fleets
  • Laundry and Dry-Cleaning Equipment
  • Heavy Manufacturing Equipment

PROJECTS OVER $5 MILLION

We offer up to 90% financing for high net worth projects. Our competitive rates amortize for up to 25 years, and there’s no penalty to pay your loan back early.

Download Our Flyers

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Get Pre-Approved Today

Our small business loan program is SBA approved, and we specialize in quick solutions to get you moving. Whether you’re struggling with cash flow or trying to qualify for traditional loans, call Express Capital Financing to kick-start your growth strategy.

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