Government-Backed Financing

SBA Term Loans: Government-Backed Growth Capital

Secure long-term, low-cost financing with SBA 7(a) loans. No down payment required, extended repayment terms, and competitive rates backed by the U.S. Small Business Administration.

SBA 7(a) Loan Advantages

Government backing means better terms, lower rates, and more flexible requirements

No Down Payment
SBA 7(a) loans require zero down

Access up to $5 million in financing without any down payment requirement. Preserve your cash flow for operations and growth.

Extended Terms
Up to 25 years repayment

Longer repayment terms mean lower monthly payments and improved cash flow for your business operations.

Government Backed
SBA guarantee up to 85%

Government backing reduces lender risk, resulting in better rates and terms for qualified businesses.

Required Documentation

Comprehensive documentation ensures the best possible terms for your SBA loan

Business Documentation

3 Most Recent Business Tax Returns

Complete business tax returns with all schedules

6 Months Business Banking Statements

Recent statements showing cash flow patterns

Business License

Current business license and registrations

Business Debt Schedule

List of all current business debts and obligations

Personal Documentation

3 Most Recent Personal Tax Returns

Personal tax returns for all business owners (20%+ ownership)

Minimum 680 Credit Score

Personal credit score requirement for approval

Expert SBA Guidance
Our team handles the complex SBA application process for you

Application Preparation

We prepare and submit all required SBA forms and documentation on your behalf.

Lender Matching

We connect you with SBA preferred lenders who offer the best terms for your situation.

Process Management

We manage the entire process from application to closing, keeping you informed every step.

Approval Optimization

We optimize your application to maximize approval chances and secure the best possible terms.

Ready for Your SBA Term Loan?

Let our SBA experts guide you through the process and secure the best possible terms for your business.

Call Ariel Sarr

347.494.8977

Email Us

ariel@atieradvance.com