SBA 7(a) & 504 Programs

#LCH421 & #HB & #LCH421

• National SBA Preferred Lender (PLP) — Full delegated authority to approve and fund SBA loans quickly without external SBA approval delays.

Loan Amounts:

• Up to $15,000,000

Terms:

• 5–25 years (504 loans fixed up to 25 years)

Rates:

• Variable or Fixed, typically Prime + 1–3 %

Eligible Uses:

• Business acquisition or partner buyout
• Debt refinance and expansion
• Working capital and equipment purchases
• Commercial real estate purchase or refinance

Qualifications:

• 2+ years in business
• 680+ FICO
• $120K+ annual gross revenue
• Profitable tax returns

Program Highlights:

• Government-backed, low-down-payment options
• Up to 90% LTV (85% for special-purpose assets)
• Cash-out refinance permitted
• Working capital and construction eligible
• Nationwide availability
• Made in America manufacturing programs