Small Business Administration (SBA) Loans
Questions? Ask away.
If your business is ready for growth, a Small Business Administration (SBA) loan may be exactly what you need.
Capital Financial Inc specializes in providing long-term financing to small businesses through the SBA (U.S. Small Business Administration) loan guarantee program. Capital Financial Inc has an experienced team of commercial lenders who understand the needs of today’s small business. All loan products are subject to credit approval.
SBA 7(a) Loans from $250,000 up to $5 Million
Capital Financial Inc specializes in providing long-term financing to small businesses through the SBA (U.S. Small Business Administration) loan guarantee program.
Differences for SBA and Conventional loans: Lower down payment, longer amortization/lower monthly payments, no balloon payments.
Use of Funds
- Real estate purchase as low as 10% down
- Construction, refinance or improvements
- Majority of space (more than 51%) must be owner-occupied
- Business acquisition
- Equipment acquisition
- Permanent working capital
- Expansion financing or debt consolidation
Interest Rates and SBA Fee
- Variable rates tied to Prime
- SBA guarantee fee (can be financed in most circumstances)
Timing
- Loan prequalified within 48 hours
- Funding as fast as 30 days
- Loan commitments typically in 10 business days after receipt of completed application on most transactions
Other
- Minimum loan amount should be $250,000
- Cash Flow should be a historic 1.15 on most loans, we will factor in projections
Meet Our SBA Bankers
Mark Bryant
SVP/Dir. of Government LendingAtlanta, GA
Carlos Calero Cobo
VP/SBA Relationship ManagerHomestead, FL
Tim Dollins
VP/SBA Relationship ManagerBirmingham, AL
Leah Douglas
VP/SBA Relationship ManagerOrlando, FL
Bobby Goff
VP/SBA Relationship ManagerSavannah, GA
Jordan Hallam
FVP/ SBA Relationship ManagerSarasota, FL
Marshall Harris
VP/SBA Relationship ManagerOrlando, FL
Laura Petty Kepley
VP/SBA Relationship ManagerWilmington, NC
Kameron Knowlton
VP/SBA Relationship ManagerJacksonville, FL
Ellie M. McIntire
VP/SBA Relationship ManagerCharlotte, NC
Jake Newcomb
VP/SBA Relationship ManagerGreenville, SC
Mark Schulte
VP/SBA Relationship ManagerPalm Beach Gardens, FL
Claudia Wilson
VP/SBA Relationship ManagerAtlanta, GA
We welcome the opportunity to show you the Capital Financial Inc difference!
We are dedicated to providing you with ways to make managing your business easier. Please contact one of our SBA Bankers today!