SBA Loan Benefits

Refinancing expensive debt can potentially save you thousands of dollars per month. That money can into investing in your business instead of paying for high interest. That can make a real difference in your cash flow and your bottom line. Here’s how … 

Paying off high interest money lowers the cost of your capital for a better cash flow and a better bank account.

If two loans are similar in all respects though one has a shorter term than the other, the shorter-term loan will always have a higher monthly payment than the longer-term loan. That’s why short-term loans can harm your cash flow, and very short-term loans can trap you in a cycle of borrowing. SBA loans from our lending partners feature 10 - 25 year terms, which means lower monthly payments for you.

Working capital is key to keeping your business running smoothly and is the common measure of your company's efficiency and liquidity. Calculating working capital is done by subtracting current liabilities from current assets. If current assets do not exceed current liabilities, then you may not be able to pay short-term creditors on time. This can result in delays in the delivery of goods, late fees, and other serious problems.

Business owners should keep sufficient working capital funds in their bank account to cover all day-to-day expenses and meet other financial obligations. A low-interest, long term SBA loan can provide an important buffer of working capital to keep your company running smoothly as it grows.

Working capital can also be used to purchase the additional inventory needed to smoothly handle business growth. 

Think about your business plan and the cash flow needed to properly support it. Can you benefit from additional working capital? It only takes minutes to contact us to see if you’re pre-qualified for a low-interest, long-term SBA loan.

Are you stretching yourself too thin? How much time are you spending working ON the business vs. working IN the business (managing instead of doing)? If you can’t get it all done then perhaps an additional employee or employees are needed. An SBA loan can help bring in the talent and help you need. It can be used for the costs to recruit and hire the help you need.

If you own a profitable business that is well established, and desire low-cost funding and the longest repayment terms to refinance or buy a property, then you may want to consider an SBA 7(a) loan from $500,000 to $5 million. We offer 25-year terms and interest rates ranging from 7.00% to 8.25%* plus a minimal down payment. Used as a rent replacement option, these CRE loans can be used to refinance your existing commercial real estate mortgage, to purchase the property the business is operating from, or to purchase other owner-occupied commercial space.

Qualifying for a commercial real estate SBA requires a minimum personal credit score of 675, three years in business and $350,000 or more in annual revenue. In addition, at least 51% of the property being bought must be occupied by and used by your business. You can also expect to supply a down payment of at least 10%. The property you purchase or refinance serve as the collateral for the loan. The SBA 7(a) loans we facilitate are normally processed more quickly than loans financed through a typical bank. Your funds can be in place in as little as 30 days from the completion of your commercial real estate loan application.

Marketing can be a smart way to use your loan proceeds. Marketing can help you attract new customers, build your brand and grow sales. So why is marketing often the first expense cut from budgets when cash flow is tight? 

An established small business can spend up to 30 percent on marketing initiatives needed to stay ahead of the competition. Is your current marketing budget small or even nonexistent? Why not finance the marketing you need with an SBA loan facilitated by American Capital Express? These SBA loans feature a longer payment schedule and lower rates and can open up new opportunities to grow your business through marketing programs that may include a new website, email marketing, social media marketing, online advertising, or countless other marketing programs.

The Small Business Administration views marketing as the key to future sales and warns business owners not to ignore it. Talk to us about an SBA loan to boost your marketing impact.

Every business requires equipment, and better equipment can lower costs, increase efficiency and speed your time to market. This can be true regardless of whether you produce products or offer services. Whether you need vehicles, production or office equipment, or computers, the need to purchase new equipment can be vital to your continued growth. 

An SBA loan is a smart cost-effective way to finance major purchases without the need for credit cards and other expensive forms of financing.  

It’s important to be able to scale your business so that you can grow efficiently, and the low-cost SBA loans we facilitate are a great solution to get the required funds to allow you to scale properly.

Do you need the funds to increase your product line, conduct competitor research, explore new product or service offerings, or to perform the research needed to go after an under-served market niche? Funds from an SBA loan can provide the fuel needed to allow important opportunities like these to be pursued. Get your business on the path to expansion by leveraging a low-cost SBA loan via our network.

 

An SBA Loan can be a smart way to get your inventory at the level needed to keep up with customer demand. Having products on the shelf allows you to quickly fulfill orders and keep your customers satisfied so that they are more likely to buy again. Proceeds from a low-cost SBA loan can provide the needed boost to your operation.

Once your paperwork is in order, the process proceeds quickly from pre-qualification to funding. We make it easy to upload documents to keep the process moving, and have simplified the lending process from start to finish. 

Then, by matching your needs with the bank that is most likely to approve and fund your SBA loan, we greatly increase your chance for success!