SBA LOANS

  1. Home
  2. Small Business Administration

SBA Loan Guidance & Bridge Financing: Securing Capital with Speed and Strategy

The U.S. Small Business Administration (SBA) loan programs, such as the popular 7(a) and 504 loans, offer attractive long-term financing and favorable rates, making them a crucial resource for small businesses across the USA.

However, the nature of these government-backed loans involves strict requirements, extensive documentation, and notoriously long approval and closing timelines, often taking months. This delay can be fatal to time-sensitive opportunities.

Service Funding Associates (SFA) does not directly originate standard SBA loans. Instead, we use our direct private lending expertise to provide strategic solutions that overcome the SBA timeline barrier.

Our Strategic SBA Loan Solutions

We provide two distinct avenues to help you leverage the best of both worlds: the low rates of an SBA loan and the speed of direct private capital.

...

  1. Bridge-to-SBA Financing (The Fast Solution)

    If your business qualifies for an SBA loan but needs funds immediately (to secure inventory, acquire a building, or meet a payroll deadline), our private bridge loan can close the gap.

    • How it Works: SFA provides a rapid, short-term private loan (7–24 months) secured by the asset or business equity. This capital allows you to move forward now. The SBA loan, once finalized months later, is used as the exit strategy to pay off the short-term SFA bridge loan.
    • Key Benefit: You secure the opportunity today without losing the benefit of the lower-cost SBA financing tomorrow.

  2. SBA Application Preparation & Referral

    For clients who prioritize the low rate and long term of the SBA program, we serve as expert advisors and facilitators.

    • Guidance: We help you structure your business financials, prepare the extensive documentation required by the SBA, and ensure your application is submitted correctly the first time.
    • Referral Network: You secure the opportunity today without losing the benefit of the lower-cost SBA financing tomorrow.

Is an SFA Bridge-to-SBA Loan Right for You?

Our strategic financing is ideal for business owners who:

Are confident their business will qualify for a standard SBA loan, but cannot afford the wait.

Need urgent capital to seize an opportunity (e.g., buying equipment now before a price hike).

Have already started the SBA process and need immediate liquidity to sustain operations while the application is reviewed

Why Choose an SBA Loan?

  • Term: up to 25 Years
  • Loan Amount: $200K to $100M+
  • Lower Down Payments: less upfront cash than traditional loans
  • Rate: From 5%
  • Multiple Program Options: Tailored to different business needs.

How Our SBA Loan Process Works

  1. Consultation & Pre-Qualification
    We evaluate your business goals, financials, and loan options to identify the best SBA program.
  2. Application Assistance
    Our team helps you prepare all required documentation to ensure a strong application.
  3. Underwriting Review
    We work directly with SBA-approved lenders to streamline the approval process.
  4. Approval & Funding
    Once approved, funds are disbursed promptly, allowing you to move forward with confidence.
  5. Ongoing Support
    Service Funding Associates remains your partner even after funding, offering guidance as your business grows.

Take the Next Step Toward Growth

SBA loans are one of the smartest financial tools available for small businesses. Let the experts at Service Funding Associates help you secure the capital you need to expand, invest, and succeed.

FAQ's about our SBA loan

You can use SBA loans to:

  • Start your own business
  • Purchase another business
  • Purchase commercial real estate
  • Finalize a partner buyout
  • Finance a franchise
  • Refinance debt
  • Buy inventory, furniture, fixtures and equipment
  • Gain working and expansion capital
  • Finance construction for ground-up or leasehold improvements

In order to qualify for an SBA loan, your business must:

  • Be organized for profit
  • Meet SBA size standards
  • Demonstrate the need for financing
  • Document that SBA loan proceeds will be used for business purposes
  • Not have a history of defaulting on a federal loan or federally assisted financing, creating a loss to the federal government

Yes. SBA loans can help cover startup costs, working capital needs, expansions, real estate purchases and more.