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SBA Loans

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ALB Commercial Capital was established to serve as a team member to the Mortgage Broker, Realtor, Investor, Lender or other service provider as a premier nationwide source for multifamily and commercial financing. Discover how we can offer you a competitive advantage with our competitive pricing, flexible terms, customized solutions, streamlined origination and processing, and quick closing capabilities.

Benefits

SBA loan programs can help qualified businesses obtain financing even when their collateral may not meet conventional lending standards. Having the experience and the right relationships with a wide variety of capital sources means ALB Commercial Capital can expedite the process and approval of SBA loans.

The information below is an overview of our SBA loan program features and benefits. To find out more contact our office to speak with one of our experienced loan advisors.

  • The SBA defines a small business as one that is independently owned and operated, is not dominant in its field and meets SBA employment or sales standards. The maximum size standards are:

    • Manufacturing — varies by industry, up to 500 employees
    • Wholesale — up to 100 employees
    • Services — varies by industry from $2.5 million to $20 million in annual receipts
    • Construction — $7 million to $17 million in annual receipts
    • Retail Trade — $6 million in sales
    • Low monthly payments and flexible terms - as long as seven years for working capital, 10 to 15 years for equipment, and up to 30 years for real estate
    • Low down payment required
    • Allows for up to 90% financing for new purchases and offers solutions for financing soft assets such as goodwill
    • Ability to finance closing costs versus paying them out of pocket
    • Option for interest only periods
    • Lines of credit with seven year commitments - non-SBA lines typically are one year
    • No balloon payments necessary
    • Limited pre-payment penalties
  • To qualify for a loan, the SBA also requires companies to meet the following criteria:

    • Owners must be of good character with strong management skills
    • Business must have a net worth consistent with industry averages
    • Company must demonstrate an ability to repay the loan based on historical cash flow
    • Collateral must be reasonably adequate to secure the loan
    • Business tax return from prior three years, if available
    • Business financial statements from prior three years, if available
    • Current business financial statement (not over 60 days old)
    • Aging of accounts receivable and accounts payable (as of the same date or later as the current financial statement)
    • Articles of Incorporation and Bylaws
    • Personal tax return from prior three years
    • Current personal financial statements from all principals
  • SBA Borrower Guide
    Download our SBA Borrower's Guide


Programs parameters subject to change without notice. Please contact ALB Commercial Capital Corporate Office for a program tailored to your needs and strategy.

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