SBA Loans
Government-backed financing programs designed to support small businesses that might struggle to obtain traditional bank financing. The SBA guarantees 75-85% of loans made by approved lenders, reducing risk and enabling more favorable terms including longer repayment periods, lower down payments, and competitive interest rates.
- Up to $5M Loan Amount
- 75-85% SBA Guarantee
- 10-25 years Terms
- 60-90 days Time to Close
When to Use SBA Loans Financing
Maximize your financial potential with our advisors who bring real-world expertise to the table. We're committed to leveraging their extensive knowledge to guide you towards financial success and security.
Working Capital
Daily operations funding including payroll, rent, utilities, and inventory. Cash flow bridging during seasonal fluctuations or growth phases with flexible repayment terms.
Real Estate & Equipment
Commercial real estate acquisition for owner-occupied properties, manufacturing facility construction, and equipment purchases with 10-25 year fixed terms.
Business Acquisition
Complete or partial ownership changes, partner buyouts, and strategic business purchases with government-backed financing and competitive rates.
Business Expansion
Market expansion into new regions, product line diversification, and technology upgrades with longer terms that support growth initiatives.
Advantages of SBA Loans Financing
Discover the benefits of SBA Loans and how it can transform your business.
- Government Backing
- SBA guarantees 75-85% of loan amounts, reducing lender risk and enabling more favorable terms for borrowers who might not qualify for conventional loans.
- Competitive Rates
- Interest rates starting at 9.75% for 7(a) loans and 6.09% for 504 loans, with rate caps providing protection against excessive charges.
- Longer Terms
- Repayment terms of 10-25 years reduce monthly payment burden and improve cash flow compared to conventional 5-10 year terms.
- Lower Down Payments
- Down payments as low as 10% preserve working capital for operations, compared to 20-30% typically required for conventional loans.
How much can I qualify for?
Understanding your numbers is the first step to unlocking the right funding. Use our simple calculator to estimate what you might qualify for—no commitment required.
Estimate Your Pre-Approval
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*Results shown are for illustration purposes only. Applications are subject to approval. Qualification criteria, rates, and other funding terms will vary depending on other factors.
Basic Requirements
- $20,000+Minimum Monthly Revenue
- Demonstrate consistent cash flow with monthly revenue exceeding $20,000 to qualify for most business funding options.
- 1+ yearsTime in Business
- Established businesses with at least 1 year of operating history show stability to lenders.
- 600+Credit Score Considered
- While requirements vary by lender, a minimum credit score of 600 is typically needed, with better terms for higher scores.
“As a small business, acquiring funding at every stage is so important. Mike was very service oriented and professional. He provided options that made sense for our business & most of all he didn't tell us what we wanted to hear to get the close. He was upfront and honest about the entire process & the numbers.”
Ready to explore SBA loan options?
At Sereno Capital Group, we specialize in SBA loan programs that provide government-backed financing for small businesses. Our experienced team helps you navigate the application process and secure the capital you need with competitive rates and flexible terms. Whether you're looking for working capital, real estate financing, or business acquisition funding, we're here to guide you through the SBA loan process.