{"id":7622,"date":"2025-07-11T17:57:12","date_gmt":"2025-07-11T17:57:12","guid":{"rendered":"https:\/\/capfront.net\/sba-loans-2\/"},"modified":"2025-10-17T18:49:39","modified_gmt":"2025-10-17T18:49:39","slug":"sba-loans","status":"publish","type":"page","link":"https:\/\/capfront.net\/es\/sba-loans\/","title":{"rendered":"SBA Loans &#8211; NEW"},"content":{"rendered":"<div id=\"cs-content\" class=\"cs-content\"><div class=\"x-section e7622-e1 m5vq-0 m5vq-1 m5vq-2\"><div class=\"x-bg\" aria-hidden=\"true\"><div class=\"x-bg-layer-lower-image\" style=\" background-image: url(https:\/\/capfront.net\/wp-content\/uploads\/2025\/10\/Capfront-SBA-HERO.jpg); background-repeat: no-repeat; background-position: center; background-size: cover;\"><\/div><div class=\"x-bg-layer-upper-color\" style=\" background-color: rgba(0, 0, 0, 0.7);\"><\/div><\/div><div class=\"x-row e7622-e2 m5vq-6 m5vq-7 m5vq-8 m5vq-9 m5vq-a m5vq-b m5vq-c m5vq-d m5vq-j\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e3 m5vq-t m5vq-u m5vq-v m5vq-w m5vq-x m5vq-y\"><div class=\"x-text x-text-headline e7622-e4 m5vq-14 m5vq-15 m5vq-16 m5vq-17 m5vq-18 m5vq-19 m5vq-1a m5vq-1b\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">PR\u00c9STAMOS DE LA SBA<\/h1><span class=\"x-text-content-text-subheadline\">WE OFFER THREE TYPES OF SBA LOANS<\/span><\/div><\/div><\/div><div class=\"x-text x-content e7622-e5 m5vq-1j m5vq-1k m5vq-1l m5vq-1m m5vq-1n m5vq-1o h-responsive\">An SBA LOAN is a business loan guaranteed by the U.S. Small Business Administration. Contrary to popular belief, the SBA does not actually lend directly. Rather, the SBA establishes guidelines for participating lenders and guarantees a portion of the loan, up to 85%, which lessens the risk for the lender, and increases the likelihood of approval.<\/div><\/div><\/div><\/div><\/div><div class=\"x-section e7622-e6 m5vq-0 m5vq-1 m5vq-3\"><div class=\"x-row e7622-e7 m5vq-6 m5vq-7 m5vq-9 m5vq-a m5vq-b m5vq-e m5vq-f m5vq-k m5vq-l\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e8 m5vq-v m5vq-x m5vq-z\"><div class=\"x-text x-text-headline e7622-e9 m5vq-14 m5vq-15 m5vq-16 m5vq-18 m5vq-19 m5vq-1c m5vq-1d\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">SBA 7(A) Loan<\/h2><\/div><\/div><\/div><div class=\"x-text x-content e7622-e10 m5vq-1j m5vq-1n m5vq-1p m5vq-1q\"><p><strong>Funding Amount:<\/strong> Up to $5M | <strong>FICO Score:<\/strong> 675 | <strong>Time in Business:<\/strong> 2 Years | <strong>Funding Time:<\/strong> 45 - 60 Days | <strong>Term Length:<\/strong> 10 - 25 Years<\/p><\/div><\/div><\/div><\/div><div class=\"x-row x-container max width e7622-e11 m5vq-6 m5vq-9 m5vq-a m5vq-d m5vq-f m5vq-g m5vq-m m5vq-n\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e12 m5vq-v m5vq-x m5vq-z\"><div class=\"x-text x-text-headline e7622-e13 m5vq-15 m5vq-16 m5vq-1d m5vq-1e m5vq-1f m5vq-1g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">WHAT YOU NEED TO KNOW<\/h1><\/div><\/div><\/div><div class=\"x-text x-content e7622-e14 m5vq-1j m5vq-1k m5vq-1m m5vq-1r\"><p>The SBA 7(a) Loan is the most popular SBA loan program mainly because of its flexibility and wide range of acceptable uses. For loans $50,000 - $350,000 you can usually access funds with no personal collateral if you have an existing business. While the standard 7(a) loan, goes all the way up to $5 million, you will see more stringent credit requirements and sometimes takes up to 60 days to fund. The 7(a) small loan, which only goes up to $350,000, can be fast-tracked by the lender with somewhat relaxed requirements if the application passes the SBA pre-screen process. If it doesn't pass the pre-screen process, the application will simply have to enter the standard 7(a) underwriting process. Purchasing a building &amp; need working capital? Run a blended SBA loan for terms ranging from 10-25 years!<\/p><\/div><\/div><div class=\"x-col e7622-e15 m5vq-t m5vq-v m5vq-10 m5vq-11\"><div class=\"x-text x-text-headline e7622-e16 m5vq-15 m5vq-19 m5vq-1a m5vq-1e m5vq-1g m5vq-1h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">USES<\/h1><\/div><\/div><\/div><hr class=\"x-line e7622-e17 m5vq-1u\"><\/hr><div class=\"x-text x-content e7622-e18 m5vq-1j m5vq-1k m5vq-1o m5vq-1q m5vq-1s\"><ul>\n \t<li><span data-preserver-spaces=\"true\">Refinance Debt\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Purchase Building\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Equipment\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Inventory\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Leasehold Improvements\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Startups\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Acquisitions\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Working Capital\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Operational Expenses\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">Hiring\u00a0\u00a0<\/span><\/li>\n \t<li><span data-preserver-spaces=\"true\">&amp; More!\u00a0\u00a0<\/span><\/li>\n<\/ul><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e7622-e19 m5vq-0 m5vq-3 m5vq-4\"><div class=\"x-row e7622-e20 m5vq-6 m5vq-7 m5vq-9 m5vq-a m5vq-b m5vq-e m5vq-f m5vq-k m5vq-o\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e21 m5vq-v m5vq-x m5vq-z\"><div class=\"x-text x-text-headline e7622-e22 m5vq-14 m5vq-15 m5vq-16 m5vq-18 m5vq-19 m5vq-1c m5vq-1d\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">SBA Express<\/h2><\/div><\/div><\/div><div class=\"x-text x-content e7622-e23 m5vq-1j m5vq-1n m5vq-1p m5vq-1q\"><p><strong>Funding Amount:<\/strong> Up to $500K | <strong>FICO Score:<\/strong> 675 | <strong>Time in Business:<\/strong> 2 Years | <strong>Funding Time:<\/strong> 2 - 6 Weeks | <strong>Term Length:<\/strong> 10 Years<\/p><\/div><\/div><\/div><\/div><div class=\"x-row x-container max width e7622-e24 m5vq-6 m5vq-9 m5vq-d m5vq-f m5vq-g m5vq-h m5vq-m m5vq-p\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e25 m5vq-v m5vq-x m5vq-z\"><div class=\"x-text x-text-headline e7622-e26 m5vq-15 m5vq-16 m5vq-1d m5vq-1e m5vq-1f m5vq-1g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">WHAT YOU NEED TO KNOW<\/h1><\/div><\/div><\/div><div class=\"x-text x-content e7622-e27 m5vq-1j m5vq-1k m5vq-1m m5vq-1r\"><p>If you need quick cash, an SBA Express Loan might fit the bill. The main difference between a standard underwriting &amp; express SBA loan is the use of funds limitations. These programs usually require less documents &amp; is the path of least resistance in the SBA space, going up to $350,000. These loans generally come with no personal collateral. Applications usually receive a pre-approved credit decisions within 48 hours and have an average funding turnaround of about 30 days, which is a considerably faster funding speed than 7(a) loans.<\/p><\/div><\/div><div class=\"x-col e7622-e28 m5vq-t m5vq-v m5vq-10 m5vq-12\"><div class=\"x-text x-text-headline e7622-e29 m5vq-15 m5vq-19 m5vq-1a m5vq-1e m5vq-1g m5vq-1h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">USES<\/h1><\/div><\/div><\/div><hr class=\"x-line e7622-e30 m5vq-1u\"><\/hr><div class=\"x-text x-content e7622-e31 m5vq-1j m5vq-1k m5vq-1o m5vq-1q m5vq-1s\"><ul>\n<li>Business Expansion:\n<ul>\n<li>Working Capital<\/li>\n<li>Marketing<\/li>\n<li>Hiring<\/li>\n<li>Misc. Operational Expenses<\/li>\n<li>Minor Leasehold Improvements<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e7622-e32 m5vq-0 m5vq-3 m5vq-4\"><div class=\"x-row e7622-e33 m5vq-6 m5vq-7 m5vq-9 m5vq-a m5vq-b m5vq-e m5vq-f m5vq-k m5vq-q\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e34 m5vq-v m5vq-x m5vq-z\"><div class=\"x-text x-text-headline e7622-e35 m5vq-14 m5vq-15 m5vq-16 m5vq-18 m5vq-19 m5vq-1c m5vq-1d\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">SBA 504<\/h2><\/div><\/div><\/div><div class=\"x-text x-content e7622-e36 m5vq-1j m5vq-1n m5vq-1p m5vq-1q\"><p><strong>Funding Amount:<\/strong> Up to $9M | <strong>FICO Score:<\/strong> 650 | <strong>Time in Business:<\/strong> 2 Years (Preferred) | <strong>Funding Time:<\/strong> 60 - 120 Days | <strong>Term Length:<\/strong> 25 Years<\/p><\/div><\/div><\/div><\/div><div class=\"x-row x-container max width e7622-e37 m5vq-6 m5vq-9 m5vq-a m5vq-d m5vq-f m5vq-g m5vq-m m5vq-r\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e38 m5vq-v m5vq-x m5vq-z\"><div class=\"x-text x-text-headline e7622-e39 m5vq-15 m5vq-16 m5vq-1d m5vq-1e m5vq-1f m5vq-1g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">WHAT YOU NEED TO KNOW<\/h1><\/div><\/div><\/div><div class=\"x-text x-content e7622-e40 m5vq-1j m5vq-1k m5vq-1m m5vq-1r\"><p>The SBA CDC\/504 Loan is used to acquire fixed assets or improve existing assets (certain soft costs can be included as well) and has many benefits like 90% financing, no balloon payments, long amortizations (up to 25 years), and fixed low mid-single digit interest rates. The SBA bank only provides 50% of the funding while an SBA-approved certified development company provides 40%, which means the borrower must have the ability to provide a 10% down payment. Much of the underwriting focuses on the project costs, and since the approval process involves two lenders, the bank and the CDC, instead of just one, funding usually takes longer than the SBA 7(a) and Express programs. This is a great program for folks paying a lot in rent &amp; looking to replace that with a fixed monthly payment. (in most instances rent can be added back to increase cash flow when running EBITDA calculations)<\/p><\/div><\/div><div class=\"x-col e7622-e41 m5vq-t m5vq-v m5vq-10 m5vq-11\"><div class=\"x-text x-text-headline e7622-e42 m5vq-15 m5vq-19 m5vq-1a m5vq-1e m5vq-1g m5vq-1h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">USES<\/h1><\/div><\/div><\/div><hr class=\"x-line e7622-e43 m5vq-1u\"><\/hr><div class=\"x-text x-content e7622-e44 m5vq-1j m5vq-1k m5vq-1o m5vq-1s m5vq-1t\"><ul>\n \t<li>Purchase long-term equipment<br \/>\n<br \/>\n<\/li>\n \t<li>Refinance debt from facility renovation, equipment refurbishing, and\/or business expansion<br \/>\n<br \/>\n<\/li>\n \t<li>Acquire an existing building<br \/>\n<br \/>\n<\/li>\n \t<li>Buy land or finance land developments like landscaping, creating new parking lots, and grading<br \/>\n<br \/>\n<\/li>\n \t<li>New facility construction or existing facility renovation<\/li>\n<\/ul><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e7622-e45 m5vq-0 m5vq-1 m5vq-2 m5vq-5\"><div class=\"x-row e7622-e46 m5vq-6 m5vq-7 m5vq-8 m5vq-a m5vq-i m5vq-s\"><div class=\"x-row-inner\"><div class=\"x-col e7622-e47 m5vq-t m5vq-u m5vq-v m5vq-x m5vq-z\"><a class=\"x-anchor x-anchor-button e7622-e48 m5vq-1v\" tabindex=\"0\" href=\"https:\/\/capfront.net\/es\/smart-apply\/?utm_source=Website&amp;utm_medium=SEO\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Aplica ya<\/span><\/div><\/div><\/a><\/div><div class=\"x-col e7622-e49 m5vq-t m5vq-u m5vq-v m5vq-x m5vq-y m5vq-13\"><div class=\"x-text x-text-headline e7622-e50 m5vq-15 m5vq-18 m5vq-19 m5vq-1b m5vq-1d m5vq-1g m5vq-1h m5vq-1i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">Apply FOR FREE to qualify your business:<\/h1><span class=\"x-text-content-text-subheadline\">Or call us at <a href=\"tel:8444666394\">844-466-6394<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><span data-x-element-responsive-text=\"{&quot;selector&quot;:&quot;.h-responsive .x-text-content-text-primary&quot;,&quot;compression&quot;:&quot;1.25&quot;,&quot;minFontSize&quot;:&quot;36px&quot;,&quot;maxFontSize&quot;:&quot;56px&quot;}\" class=\"e7622-e51\"><\/span><span data-x-element-responsive-text=\"{&quot;selector&quot;:&quot;.h-responsive-2 .x-text-content-text-primary&quot;,&quot;compression&quot;:&quot;0.575&quot;,&quot;minFontSize&quot;:&quot;36px&quot;,&quot;maxFontSize&quot;:&quot;56px&quot;}\" class=\"e7622-e52\"><\/span><\/div>","protected":false},"excerpt":{"rendered":"<p>SBA LOANSWE OFFER THREE TYPES OF SBA LOANSAn SBA LOAN is a business loan guaranteed by the U.S. Small Business Administration. Contrary to popular belief, the SBA does not actually lend directly. Rather, the SBA establishes guidelines for participating lenders and guarantees a portion of the loan, up to 85%, which lessens the risk for the lender, and increases the &#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-blank-4.php","meta":{"footnotes":""},"class_list":["post-7622","page","type-page","status-publish","hentry","no-post-thumbnail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.0.1 (Yoast SEO v19.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SBA Loans - NEW - CapFront<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/capfront.net\/es\/sba-loans\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBA Loans - NEW\" \/>\n<meta property=\"og:description\" content=\"SBA LOANSWE OFFER THREE TYPES OF SBA LOANSAn SBA LOAN is a business loan guaranteed by the U.S. Small Business Administration. 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Contrary to popular belief, the SBA does not actually lend directly. 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