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SBA Loans For Women

We provide SBA loans for women nationwide.  Loan amounts range from $400,000 to $13,000,000 with financing up to 90% loan to value.  We focus on transactions that include commercial real estate and are not currently considering start up transactions.  Below we give more information on what loan programs we are doing as well as more general, real world advice on SBA loans for women.

      

SBA Small Business Loans For Women – Overview Of What We Are Closing

We do both the SBA 7a loan and SBA 504 loan programs.  The 504 loan is used exclusively for the purpose of purchasing or refinancing commercial real estate (or equipment).  The SBA 7a loan can be used to finance working capital, business acquisition, commercial real estate, equipment or debt consolidation. 

We offer:

Bottom line – we are experts at SBA financing and have a wide variety of programs to fit almost any situation.  We also give answers very quickly and do not charge any type of application fees or retainers.  If your transaction includes commercial real estate as collateral and you have been in business a couple of years, we urge you to fill out our pre approval form to take the first step.

Real World Advice - Small Business Loans For Women 

SBA loans were created by the government to help small businesses receive financing that wouldn’t otherwise qualify for traditional bank financing, in order to help grow and stimulate the economy.  For example, most banks won’t consider start ups or under collateralized loans, unless they have the backing of the SBA. 

Further, the SBA has intuitives to help groups of people (women), geographical areas (such as depressed older urban areas), and other stated missions, that statically don’t receive bank financing as much as other groups (white males). 

But there is a void between what the SBA’s stated missions are and what actually happens/funds on a day to day basis.  Women owned business should not expect to receive any real special treatment or consideration than any other business seeking SBA financing.  The issue is that at the end of the day, a bank or lender has to fund the loan.  The SBA does not lend money; they guarantee the lender that if the borrower defaults, that the lender should receive their money back.   But if the SBA deems the bank made a bad decision on funding the loan in the first place, the bank may not receive their guarantee and or suffer other fines and penalties.   The bank is still on the hook…

So the borrower has to be credit worthy, per the banks underwriting standards.  You’ll still have to meet the same traditional underwriting standards that any other borrower seeking SBA loans has too.  And yes, there is a void between what the SBA’s PR/stated missions are and what banks will fund.

There are many loan programs that the SBA has launched that banks have completely rejected due to many reasons such as fees, bureaucratic process or that banks simply don’t like the industry in question.  A classic example of this is the SBA’s car dealer floor plan loan program, which almost no banks participated in.    

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