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SBA Loan Program

SBA Loan Program

We have been designated as a Preferred Financial Services company by industry leading SBA lenders to have loans processed more quickly and efficiently than many others.

There are a number of advantages to an SBA loan, including longer terms, no points and no balloon payments.

  • SBA 7A Loans from $5,000 up to $5,000,000

  • SBA 504 loans from $500,000 up to $15,000,000

  • Conventional loans from $100,000 up to

    $15,000,000(+)

We have been designated as a Preferred Financial Services company by industry leading SBA lenders to have loans processed more quickly and efficiently than many others.

There are a number of advantages to an SBA loan, including longer terms, no points and no balloon payments.

  • SBA 7A Loans from $5,000 up to $5,000,000

  • SBA 504 loans from $500,000 up to $15,000,000

  • Conventional loans from $100,000 up to

    $15,000,000(+)

Who is Eligible for an SBA Loan?

Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.

Loan Qualifications

  • Retail and service businesses with sales (3-year average) not exceeding $6 million to $20 million, depending on the industry

  • Wholesale businesses with employees up to 100 regardless of sales volume

  • Manufacturers with employees up to 500 depending on the industry, regardless of sales volume

SBA 7(A) Loan Size $150,000 to $2.0 million

Who is Eligible for an SBA Loan?

Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.

Loan Qualifications

  • Retail and service businesses with sales (3-year average) not exceeding $6 million to $20 million, depending on the industry

  • Wholesale businesses with employees up to 100 regardless of sales volume

  • Manufacturers with employees up to 500 depending on the industry, regardless of sales volume

SBA 7(A) Loan Size $150,000 to $2.0 million

Loan Fees

  • Loan packaging fee: $750 to $2,000

  • Fee is based on loan size, it is collected at the time of loan submission; refunded if declined by credit

  • SBA guaranty fee: 1.70% to 2.60% of the loam amount

  • Fee can be financed in the loan

Use of Proceeds

  • Commercial real estate (purchases, construction, or refinance)

  • Leasehold improvements

  • Business expansions

  • Machinery, equipment, furniture or fixtures

  • Business acquisition

  • Working capital (offered in conjunction with some of the above)

  • Start-ups (ALL Franchises, Motels, Restaurants Gas Stations and C-Stores

Other Credits Considerations

  • Business must have adequate historic cash flow to cover the proposed debt

  • Business debt to net worth must meet industry averages

  • Borrowers must be actively involved in the day-to-day operation of the business

  • Satisfactory personal credit histories are required for all principles and guarantors

  • No past bankruptcies or felony arrests

Contact us today about our SBA Loan Programs and other services.

Loan Fees

  • Loan packaging fee: $750 to $2,000

  • Fee is based on loan size, it is collected at the time of loan submission; refunded if declined by credit

  • SBA guaranty fee: 1.70% to 2.60% of the loam amount

  • Fee can be financed in the loan

Use of Proceeds

  • Commercial real estate (purchases, construction, or refinance)

  • Leasehold improvements

  • Business expansions

  • Machinery, equipment, furniture or fixtures

  • Business acquisition

  • Working capital (offered in conjunction with some of the above)

  • Start-ups (ALL Franchises, Motels, Restaurants Gas Stations and C-Stores

Other Credits Considerations

  • Business must have adequate historic cash flow to cover the proposed debt

  • Business debt to net worth must meet industry averages

  • Borrowers must be actively involved in the day-to-day operation of the business

  • Satisfactory personal credit histories are required for all principles and guarantors

  • No past bankruptcies or felony arrests

Contact us today about our

SBA Loan Programs and

other services.

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(469) 737-0027

Ontopfunding.com is a website operated by On Top Funding, LLC. By accessing this site and any pages thereof, you agree to be bound by our terms of use and privacy policy. The use of this website does not constitute an application for a mortgage loan or an offer by On Top Funding, LLC to lend.

On Top Funding, LLC is licensed in AZ (License #: 0932325), CA (Loans made or arranged by On Top Funding, LLC pursuant to a California Finance Lenders Law license # 60DBO-46258), MN (MN-MO-1045656), and OR (ML-5571). Please visit www.nmlsconsumeraccess.org for more licensing information.

This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.

©2024 On Top Funding, LLC. All Rights Reserved.

CONNECT WITH ON TOP FUNDING

CONTACT US

(469) 737-0027

Ontopfunding.com is a website operated by On Top Funding, LLC. By accessing this site and any pages thereof, you agree to be bound by our terms of use and privacy policy. The use of this website does not constitute an application for a mortgage loan or an offer by On Top Funding, LLC to lend.

On Top Funding, LLC is licensed in AZ (License #: 0932325), CA (Loans made or arranged by On Top Funding, LLC pursuant to a California Finance Lenders Law license # 60DBO-46258), MN (MN-MO-1045656), and OR (ML-5571). Please visit www.nmlsconsumeraccess.org for more licensing information.

This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.

©2024 On Top Funding, LLC. All Rights Reserved.