The SBA Loan Advantage
Unlock Your Business Potential with a Stretch Solutions SBA Loan. A Small Business Administration (SBA) loan is a powerful tool for business owners. Backed by the government, these loans make it easier for financial institutions to provide capital with more favorable terms than traditional loans.
An SBA Loan is a government-backed business loan program administered by the U.S. Small Business Administration. By providing a partial guarantee to the lending institution, the SBA reduces the risk for lenders and facilitates access to capital for small businesses and entrepreneurs nationwide.
SBA loans are not issued directly by the government, but by banks and other lenders.
The SBA guarantees a portion of the loan, which reduces the risk for lenders and allows them to offer more competitive rates, lower down payments, and longer repayment terms.
This makes SBA loans an ideal option for businesses that may not qualify for conventional financing.
Stretch Solutions helps you navigate the different types of SBA loans to find the perfect fit for your business goals.
SBA 504
Used for Fixed assets such as land, a building or machinery etc
Interest Rate
4.63% 10-year
4.51% 20-year
Term Length
10-20 years
Max Loan Amount
$5 Million
SBA 7(A)
Used for Working capital, debt refinancing or to purchase business assets
Interest Rate
5.75-8.25% variable rate
8.5-11.5% fixed rate
Term Length
5-10 years
Max Loan Amount
$5 Million
SBA Microloans
Used for Working capital or to purchase inventory and equipment
Interest Rate
6% – 9%
.
Term Length
Up to 6 years
Max Loan Amount
$50,000
Our Simple Process and Expert Guidance.
Applying for an SBA loan can be complex, but Stretch Solutions makes it simple. Our streamlined process and dedicated team of advisors ensure you get the best options in the shortest amount of time.
Enjoy long repayment terms, sometimes up to 25 years for real estate, to keep your monthly payments manageable.
Benefit from some of the lowest interest rates in the industry, capped by the SBA.
Many SBA loans require a smaller down payment than traditional loans, making them more accessible.
Benefit from reduced down payment requirements—no down payment for 7(a) loans $350,000 and under, and a mere 10% for 504 SBA loans.
Get Funded in 3 Simple Steps
We’ve simplified the process so you can get back to what you do best—running your business.
Apply Online
Complete our easy online application to tell us about your business and your financial needs.
Connect with an Expert Advisor
Our experienced team will review your application and work with you to gather all necessary documents.
Receive Funding
We'll present you with the best loan options, and once approved, the funds will be in your account.
Required Documents to Apply
Drivers License
Voided Business Check
Bank Statements
Balance Sheet
Profit and Loss Statements
Business Tax Return
Personal Tax Return
Business Plan
Business Debt Schedule
Get loan options from multiple lenders!
Talk to a business loans expert at: (929) 662-5631
Are You Ready to Grow? Check Your Eligibility.
To qualify for an SBA loan, your business must meet certain criteria. Our team will guide you through the process, but generally, you’ll need to:
- Operate a for-profit business in the U.S.
- Meet the SBA’s size standards for your industry.
- Demonstrate a need for the loan and the ability to repay it.