SBA Loans 101: White Paper Sources

Our Speritas Capital clients asked for help understanding SBA loans and we answered the call. The result is an exhaustively researched guide to SBA 7a loans to combat the incorrect and dated information you’ll find online about SBA Loans.

The Small Business Administration offers six types of programs designed to support small businesses. To quote the Congressional Research Service “these loan guaranty programs are designed to encourage lenders to provide loans to small businesses that might not otherwise obtain financing on reasonable terms and conditions.”

In short, the SBA helps businesses get loans after they’ve been turned down by other lenders. And while the SBA offers many programs, in this White Paper, we’re ‘following the money’ and focusing on the two most popular – SBA 7a loans – broad use term loans up to $5MM; and SBA 504 loans – most commonly used for owner occupied real estate up to $14MM.

 

SBA White Paper Sources

To create this white paper we relied strictly on primary research from Acts of Congress, Federal Regulations, Congressional Reports, legal documents, SBA Regulations & public notices, etc. When in need of clarification – or operational expertise – we’ve gone directly to the most knowledgeable SBA lenders we know.

Some of our primary sources are listed below – we won’t bore you with a full list:

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You need a strategic, cost effective solution to your financing needs and a funding partner you can trust. And one who never takes upfront fees. Let us put our decades of banking and structuring experience to work for you – contact Speritas Capital Partners about your eligibility for an SBA loan today.


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