SBA (Small Business Administration) Loans
Government-Guaranteed Lending
Offering a suite of long-term U.S. government-backed financing to small business owners nationwide who are looking to make more of their business. These types of loans offer flexibility with longer repayment terms to help reduce monthly payments.
For Owner-Occupied Businesses (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 multitude of business purposes. Both variable and fixed rate loans are available.
- Business Acquisitions
- Franchise Financing
- Machinery & Equipment Purchases
- Business Expansion
- Working Capital
- Debt Consolidation
- Commercial Real Estate Financing
SBA 7(a) Express Small Loans
This program offers an opportunity for emerging businesses or start-up 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 – $350,000 Loan Repayment Term: 7 to 10 years, fully amortizing Advance Rate: Up to 90% financing
SBA 7(a) Standard Loans
This program is designed for established businesses, operational for 2+ years, 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 – $5,000,000 Loan Repayment Term: Up to 25 years, fully amortizing (up to 10 years without CRE) Advance Rate: Up to 90% financing Goodwill: Up to $1,500,000
SBA 504 Loans
This program is available for business owners 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 (CRE)
USDA B&I (Business & Industry) Loans
Financing Built to Help Rural Businesses Grow
Created by the U.S. Department of Agriculture, USDA B&I loans help rural businesses get financing at competitive rates and longer terms so they can continue to grow.
The program targets businesses in areas of 50,000 people or fewer, improving economic health in rural areas. Benefits of the USDA loan program include better interest rates and longer repayment terms.
This specialized program, backed by the U.S. Department of Agriculture, is aimed at supporting businesses in rural areas.
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 90% LTV | Up to 100% LTC
Why Work with Eagle Bend Capital Financing?
Eagle Bend Capital Financing offers the financing you need, when conventional lending sources cannot. We work with a broad network of lending partners to help businesses secure flexible working capital solutions tailored to their needs.
Get Started
If you would like to learn more about our SBA 7(a), 504 and USDA B&I Loans, or any of our other product solutions, contact us today.