Government Guaranteed Lending
Offering a suite of long term U.S. government backed financing solutions to small business owners nationwide who are looking to make more of their business. These loan programs offer flexibility with longer repayment terms to help reduce monthly payments.
For owner occupied businesses with more than 51% occupancy.
Businesses must have a net worth below $20 million and net income below $6.5 million.
Loans range from $25,000 to $10,000,000 and can be used toward a wide variety of business purposes. Both fixed and variable rate loan options are available.
Common Uses for SBA Financing
Business acquisitions
Franchise financing
Machinery and equipment purchases
Business expansion
Working capital
Debt consolidation
Commercial real estate financing
SBA 7(a) Express Small Loans
Government Backed Funding for Emerging Businesses
This program offers an opportunity for emerging businesses or startup franchise operators to unlock government backed funding.
U.S. based business owned 100% by U.S. citizens
Minimum FICO: 680+
Time in Business (TIB): 2 years
Loan Size: $25,000 to $350,000
Loan Repayment Term: 7 to 10 years fully amortizing
Advance Rate: Up to 90% financing
SBA 7(a) Standard Loans
Long Term Financing for Established Businesses
This program is designed for established businesses operating for 2+ years that are looking to secure government backed funding.
A 10% cash injection is required from the borrower.
U.S. based business owned 100% by U.S. citizens
Minimum FICO: 680+
Time in Business (TIB): 2 years+
Loan Size: $350,000 to $5,000,000
Loan Repayment Term: Up to 25 years fully amortizing
Up to 10 years without commercial real estate
Advance Rate: Up to 90% financing
Goodwill: Up to $1,500,000
SBA 504 Loans
Commercial Real Estate Financing for Owner Occupied Businesses
This program is available for business owners looking to purchase, construct, or renovate owner occupied commercial real estate.
U.S. based business owned 100% by U.S. citizens
Minimum FICO: 680+
Time in Business (TIB): 2 years+
Loan Size: Up to $15,000,000
Loan Repayment Term: Up to 25 years fully amortizing
Advance Rate: Up to 100% financing for commercial real estate
USDA B&I (Business & Industry) Loans
Government Backed Financing for Rural Businesses
Offering a specialized U.S. government backed financing program designed to support businesses located in rural communities.
The program targets businesses in areas with populations of 50,000 people or fewer, helping improve economic health in rural markets. Benefits include longer repayment terms and competitive interest rates.
USDA B&I Loan Features
U.S. based business owned 100% by U.S. citizens
Minimum FICO: 650+
Time in Business (TIB): 2 years+
Loan Size: Up to $25,000,000
Loan Repayment Term: Up to 30 years fully amortizing
Advance Rate: Up to 80% LTV and up to 100% LTC
Why SBA and USDA Financing?
Long term repayment structures
Lower monthly payment options
Government backed financing programs
Flexible use of funds for business growth and expansion
Commercial real estate and working capital solutions available
Why Work with Eagle Bend Capital Financing?
Eagle Bend Capital Financing offers the financing you need, when conventional lending sources cannot. We work with trusted SBA and USDA lending partners nationwide to help businesses secure flexible government backed financing solutions tailored to their needs.
Get Started
If you would like to learn more about our SBA 7(a), SBA 504, and USDA B&I Loan programs, or any of our other product solutions, contact us today.
