SBA 7(a) Loans for Small Businesses

Let us help you secure an SBA section 7(a) small business loan, up to $5 million.

Affinity Beyond Capital Can Get You an SBA 7(a) Loan for Your Small Business

At Affinity Beyond Capital, we can help your small business secure an SBA section 7(a) small business loan. These are loans up to $5 million which have a number of distinctive features including:

SBA guarantees up to 85% on loans up to $150,000
SBA guarantees up to 75% on loans greater than $150,000
Eligibility is based on SBA guidelines and Affinity Beyond Capital can make eligibility reviews
Collateral is required on loans over $25,000, and on loans over $350,000, the loans fully secure the loan with fixed assets, up to 10% of trading assets and/or available equity in personal real estate
Borrowers are required to have a good credit score (680 or higher)
Personal guarantees are required from owners of more than 20% interest in the company.
Loans can have a term of up to 25 years
The loans can have rates as low as MPR plus 2.25%

3 Ways We Can Help

Fast Small Business Decisions (5-10 Days)

Our team works fast to fund you. If we receive documents fast enough, we can fund in as little as one day!

Loans Up to $5 Million

From small business funding to capital for construction, we can handle funding of nearly any size project.

Flexible Lengths

With short term funds for growing businesses, we can work within the terms you need.

How Our SBA 7(a) Funding Program Works

At Affinity Beyond Capital, we work with small businesses on a wide variety of loan products, including SBA 7(a) loans. These SBA loans are favored by small businesses who qualify, because they often carry lower fees and interest rates. However, there is a misconception that these are government loans – they are not. These are loans by banks, where the government is guaranteeing between 50-85% of the loan amount. This lowers the risks to the banks and allows more small businesses to secure small business loans.

Affinity Beyond Capital’s expert staff knows what is required for getting businesses like yours the SBA 7(a) loan you seek. We help you through the application process, collect necessary documentation and guarantees, and work hard to get you approved.

When you are ready for a small business loan to help grow your business, Affinity Beyond Capital’s small business financing programs could provide the change to help take your business to the next level.

Whether you are seeking short or long-term financing for growth, a particular venture or another reason, our team can help out.

Experienced Funding Team Delivers Results

With years of experience handing SBA 7(a) Loan Applications for thousands of companies, our professionals understand what is required to help get your business approved. From ensuring that applicants qualify under the program to confirming all forms and supporting documents are properly prepared, we work hard to deliver the loan you need.

Affinity Beyond Capital Can Provide Lending Alternatives to the SBA 7a Loans

In the event that your company does not qualify for an SBA 7a loan, we will work with you to place you into an alternate small business loan. We offer a full range of products for all types of businesses, and if you do not qualify, we work with you to find alternative funding methods.

The Funding Process at Affinity Beyond Capital

Our loans program is an easy three-step procedure:

Step 1

Apply Today to Get Started

Begin the application process using our simple application form or speak to one of our associates. To qualify under the SBA 7(a) program, your business must meet a range of requirements itemized above.

Step 2

Obtain a Decision Quickly

We are often able to obtain decisions on SBA 7a small business loans in as little as 5-10 business days. These loans do take more time to process than other loans. Given the lower interest rates on these loans, many business owners choose to pursue this route.

Step 3

Receive Your Funding

Once financing is approved, your SBA loan will be funded as quickly as possible!

6 Great Reasons to Use Affinity Beyond Capital

Our people are frequently asked why so many men and women need to use Affinity Beyond Capital as their best source for SBA business loans. Here are a few of the reasons:

Relied on by Thousands of Clients Nationally

Our team helps businesses and practices across the nation with the funding they need to achieve the growth they want.

Quick Delivery of Funding

Once approved, funding is handled quickly. We will coordinate the disbursement of funds to you, paid as soon as possible after approval.

Quick Loans Approvals

Our underwriters will not require months in order to come to a decision. Loans are processed as quickly as possible, and some products can receive decisions in under 24 hours. SBA loans do require more time to approve than other loans but feature lower interest rates to borrowers.

Extensive Assistance with the Application

The SBA 7(a) application is more complex than other applications, and our professionals are here to help you complete the application quickly and accurately, helping to increase the chances that your application will be approved.

Detailed Explanations

We understand most clients have never borrowed under SBA 7(a) and are not clear on the process. We work hard to make it easy for you.

Long-Term Relationships

Most of our clients are repeat customers. Our staff helps our clientele with multiple funding opportunities, so they can take advantage of our small business loans to get the ventures they need. We like to capital meant for expansion!

Ways You Can Use Funding Under SBA 7(a)

During the course of your business, you will likely have many opportunities for growth, special projects, acquisitions and more.

Tackle additional business opportunities. Free up cashflow for payroll or vendors, along with other needs. Take advantage of capital to maximize your business opportunities.

Examples of the companies that borrow money using SBA loans include:

This is not an exhaustive list, and we help people in nearly all industries.

Fill Out an Application Now for an SBA 7(a) Loan

If you’re ready to get started, we are in business to help you. Fill out the short application to begin the process. If you’ve got any questions, contact us today at (516)743-3020 or submit an inquiry on the web using our contact page.