SBA LOANS

Load Financial | SBA Loans

Create a brighter tomorrow with an SBA Loan

At Load Financial, we pride ourselves on being the best place to go for SBA loans. We understand ‌that small businesses are the backbone of the American economy, and we are dedicated to helping them grow and succeed.

 

Moreover, we have a wider variety of SBA loan options available, and our team is ready to help you find the perfect loan for your business. Whether you're looking for a short-term working capital loan or a long-term real estate loan, Load Financial has the policy to cover you.

 

According to this, we offer some of the most competitive rates in the industry. Then, our goal is to make the borrowing process easy and convenient.

 

So, if you're ready to get started on your next business venture, Load Financial is here to help you with a trusted confirmation.

Load Financial is here to help small business owners get the best rate on SBA financing. We work with some of the largest lenders in the USA to get you the best deal possible. We can use SBA financing for various purposes, including working capital, equipment purchases, and real estate acquisition. Let us help you get the most out of your SBA loan.

What is SBA Loan?

First, the Small Business Administration (SBA) is a federal agency that assists small businesses through loan programs. SBA loans are made by banks and other financial institutions and guaranteed by the SBA.

 

So, we protect the lender against loss if the borrower defaults on the loan.

Hence, you can choose our SBA Loan for your better performance.

 

Second, you can use SBA loans for various purposes, including working capital, equipment, inventory, or real estate. Businesses often use them that may not qualify for traditional bank financing. Whether other banks/financial institutions require many more documents and papers.

 

Likewise, Load Financial is proud to offer SBA loans to our clients. We understand the importance of access to capital for small businesses, and we are committed to helping our clients succeed.

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We can help you grow your business with SBA Loan.

Here, Load Financial is the best place to go for SBA loans. We understand that small businesses are the principle of the American economy, and we dedicate ourselves to helping them grow and succeed. We have a wide variety of SBA loan options available.

 

Additionally, our team is ready to help you find the loan for your perfect business to develop gradually.

The benefits of SBA Loan

Below, SBA loans offer several benefits to small businesses, including:

  • Access to capital: SBA loans can provide much-needed financing for businesses that may not qualify for traditional bank loans.

  • Flexibility: ‌SBA loans can be used for various purposes, including working capital, equipment, inventory, or real estate.

  • Competitive rates: SBA loans often have lower interest rates than other loans.

  • Long repayment terms: SBA loans typically have longer repayment terms than other loans, making them more affordable.

  • Terms competitive: SBA guaranteed loans typically have rates and fees comparable to those of non-guaranteed loans.

  • Education and counseling: Some loans include ongoing support to help you start or run your business.

  • Unique Benefits: Less down payments, flexible overhead requirements, and no collateral required for certain loans.

So, welcome to our new world system of SBA loans for your upgrading business.

How SBA Loan Work:

Accordingly, an SBA loan is made by banks and other financial institutions and guaranteed by the SBA, so we protect the lender against loss if the borrower defaults on the loan.

The SBA guarantees a portion of the loan, making it less risky for the lender and more likely that they will approve the loans smoothly.

 

Thus, there is no hesitation in making a successful transaction within the SBA loan policy.

 

Further, Load Financial is proud to offer SBA loans to our clients. We understand the importance of access to capital for small businesses. For this reason, we offer the targeted group getting the benefits of the loans.

There are two main types of SBA loans:

First, 7(a) Loan: The 7(a) loan program is the SBA's most popular loan program. It offers financing for various purposes, including working capital, equipment, and real estate.

Second, 504 Loan: The 504 loan program provides long-term, fixed-rate financing for major real estate or machinery assets.

Equally important, Load Financial offers both 7(a) and 504 loans, so we can help you finance whatever your business needs.

 

In brief, we understand that each business is different, and we will work with you to find the best loan option for your specific situation.

 

In a word, the small business administration (SBA) is a federal agency that assists small businesses through loan programs. SBA loan is made by banks and other financial institutions and guaranteed by the SBA, so we protect the lender against loss if the borrower defaults.

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Compare SBA Loan Options and Benefits:

First, SBA 7(a), business loan.

A government-backed term loan to finance the purchase or expansion of a small company.

Key benefits:

  • Maximum loan amount: $5 Million

  • For business, acquisition, or equipment improvement, terms up to 10 year

  • For inventory and working capital, terms up to 7 year

  • Flexible collateral options

So, it's Ideal for:

  • Acquisition of businesses

  • Equipment

  • Refinance of debt, working capital, and inventory

  • Tenant improvement and partner buyout

  • For-profit companies

To sum up, SBA bankers are available for consultation.

Second, SBA 7(a) Real Estate loans.

Government-backed term loans are available for purchase, refinance, or construction of the commercial real property.

Key benefits:

  • Maximum loan amount: $5 Million

  • Load Financial an additional $1 million in direct financing (SBA 7 (a Pari passu loan).

  • Terms up to 25 Years

  • No balloon payments, fully amortized

So, it's Ideal for:

  • Owner-user commercial real estate purchase

  • Expanding

  • Construction or refinance

  • For-profit companies

Here, SBA bankers are available for consultation

Third, SBA 504 real estate loan.

A term loan guaranteed by the government for commercial real estate purchases, refinances, and constructions.

Key benefits:

  • Maximum loan amount: $1 Million

  • Load Financial Loan Terms 25 Years

  • Equipment Loan Terms 10 Years

So, it's Ideal for:

  • Owner-user commercial real estate purchase

  • Refinance

  • Construction

  • For-profit companies

Here, SBA bankers also are available for consultation.

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Why choose us?

Here are many lenders out there that offer SBA loans. However, not all lenders are created equal. So, we have been dealing with the government-backed lending program for over 20 years and know exactly what it takes to get your loan approved. Plus, our team is comprised of experts in financing and business development who will work tirelessly to find the best solution for your project.

Here are the most common things to choose SBA Loans:

Truly the best rates.

First, the flexible terms.

Indeed, Load Financial offers some of the best rates for SBA loans. We are dedicated to finding the most affordable loan option for your business.

Then we offer flexible terms so that you can find a loan that fits your specific needs.

The second one is the dedicated Service.

Finally, we dedicate our team to helping you find the perfect loan for your business. We will work with you to find the best loan option for your needs and help you through the process every step of the way.

Pros and Cons of SBA Loan

Pros:

  • The lowest rates on the market 

  • Borrow as much as $1 million

  • Longer repayment terms, 7-25 years

Cons:

  • Long application process 

  • More qualifications required

Best for:

  • Expanding businesses or refinancing debt 

  • Businesses with good credit will wait for funding

Referral network resources

Especially, learn how the SBA Division can help you and your customers if you are a professional in commercial realty, lending, or any other finance-related field.

 

Even, SBA Banker: Check out our other commercial real estate loans

 

*Based on LIBOR/WSJ Prime Interest Rates

Fund your business with $10,000 to $1 Million

Of course! SBA guarantees loans that are small or large. You can use them to finance any business purpose, including long-term fixed assets and working capital. Your lender will match you with the best loan for your needs.

Working capital

In fact, seasonal financing, export loans, revolving credit, and refinance business debt.

Fixed assets

Accordingly, fixed assets mean furniture, real estate, machinery, equipment, construction, and remodeling.

So, what are the requirements for eligibility?

To conclude, here are specific eligibility requirements for loan programs and lenders. Eligibility is determined by income, ownership structure, and location.

 

So, businesses must comply with the SBA size requirements, can repay, and be profitable. 

Startup funding may be available to anyone, even those with poor credit. You will receive a complete list of eligibility requirements from the lender for your loan.

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Start a profitable business.

Important is to the businesses are officially registered and operate legally.

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First, Do business in the U.S.

Equally, the business is physically located and operates in the United States or its territories.

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Second, Equity investments.

Besides, the business owner has invested their own time or money into the business.

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There are many financing options available.

So, the business cannot get funds from any other financial lender.

Exporter loans

On the other hand, most Load Financial consider loans for exporters to be risky. Exporter loans can make getting loans for day-to-day operations and advance orders with suppliers difficult. To make it easier for small businesses in the United States to get export loans, SBA has created programs.


For example, and more information on how SBA can help with an export loan, please get in touch with your experts Load Financial

Our 3 Step Process:

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1. Apply

Could you fill out our Quick Apply application?

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2. We Review Your Application.

We review your goals and present you with programs matching your needs, getting an offer in 24 hours.

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3. Receive Funding

Choose the program that fits you best and receive funding within 48 hours.

Withdraw Cash