​​​​​​​​​​​​​​​​​​​​​Fast, easy access to all eligible use of funds.

Get quick access to your funds and lines of credit with a 50% guarantee from the SBA. Approval confirmation available in just 36 hours.


  • Businesses that are:

    • Owner-operated.

    • Individual or Doing Business As (DBA).

    • For-profit.

    • Organized as a sole proprietorship, corporation or professional partnership.

    • Unable to secure other credit under reasonable terms.

  • Businesses within the size guidelines established by the SBA under the North American Industry Classification System (NAICS).


  • SB​A provides up to 50% guarantee.

  • Prepayment penalties may apply.

  • SBA participates through companies certified by the SBA.

  • Line of Credit or Term Loan.

Maximum Loan Terms:

  • Commercial Real Estate up to 25 years.

  • Lines of Credit up to 5 years.

  • Other purposes may vary from 5-15 years.

Interest Rate:

  • Variable or fixed interest loans available.

Borrower’s Equity Injection:

  • At least 10% of the total project cost.

Collateral Requirement:

  • Business Assets and/or Real Estate, depending on loan purpose.

Typical Use of Proceeds:

  • Startup, expansion or business acquisition.

  • Purchase of machinery and/or equipment.

  • Working capital.

  • Owner-occupied commercial real estate.

  • Refinancing existing obligation (some restrictions apply).


  • Same application process as a conventional loan.

  • Longer maturity terms than conventional loans.

  • Low injection from borrower’s personal funds.

  • SBA fees can be financed into the loan.

  • We are an SBA Express lender, so we make the loan decisions under the SBA guidelines.

For more information go to: ​http://www.sba.gov/content/sba-express ​

​Call Us 787-729-​8258

All loans are subject to credit approval.

All loans are subject to credit approval.​