SBA's advantage is time. Enter the amount, the rate and the term to see how a 10-year working capital structure or a 25-year real estate structure changes what you can afford.
Financed amount: $675,000 after 10% down
Get real numbers on your fileFour minutes · Soft review · No obligation
SBA loans win on amortization as much as on rate. The same $1,000,000 at the same rate is a very different business over 10 years versus 25 — and the 25-year option is what makes owner-occupied real estate work for a small company.
7(a) rates are typically variable and tied to prime, so run your numbers at a rate above today's to see whether the payment still fits if prime moves. 504's SBA portion is fixed, which is a large part of its appeal.
Budget 45 to 90 days for closing and expect a real document package: two years of business and personal returns, a YTD profit-and-loss statement and balance sheet, a debt schedule, and third-party costs like appraisal or environmental review on real estate.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score
