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Business Consulting
Strategic guidance to help your business navigate challenges and seize opportunities for growth.
Learn MoreLOANS & FUNDING
SBA Loans
Low-interest, high-leverage federal financing to radically scale your commercial operations.
The Gold Standard of Expansion Capital
The Small Business Administration (SBA) loan program offers the most aggressive, favorable lending terms on the market: minimal down payments, 10-to-25-year amortizations, and massive multi-million dollar limits. However, the application process is notoriously brutal and bureaucratic.
SMAART Company removes the friction. By combining our CPA abilities with specialized commercial loan brokerage, we compile the exhaustive financial projections, business plans, and documentation required to push your SBA file seamlessly through underwriting.
Core Directives
10% Equity Requirements
Unbeatable Terms
M&A Execution
Operational Milestones
01
Structuring
We assess your objective (Real Estate vs. Acquisition) and structure the deal to strictly adhere to federal SBA guidelines.
02
Packaging
We build the massive data room required: 3 years of taxes, debt schedules, P&Ls, resumes, and precise 24-month projections.
03
Closing
We act as your liaison between the bank underwriters, the appraiser, and the closing attorney to ensure funding occurs smoothly.
Included Services & Outcomes
SBA 7(a) Loan Packaging (Up to $5M)
SBA 504 Real Estate Loans
Required Pro-Forma Financial Projections
Business Plan Development for Underwriting
Direct Lender Matching
Don't Drown in Federal Paperwork
One missing schedule can delay an SBA loan by weeks. We ensure your package is flawless on day one.
FAQ
Questions &
Answers
Get answers to the most common questions about our sba loans services.
If you apply alone, it can take 6 months. By utilizing SMAART's pristine financial packaging and preferred lender network, we frequently close deals in 45-60 days.
No, the loan comes from a commercial bank. The government (SBA) simply 'guarantees' 75% of the loan to the bank, which is why the bank can offer you such incredible terms.
Expect 45 to 90 days from complete application submission to funding. The timeline depends heavily on lender choice, collateral appraisals, and SBA review, our preferred-lender network and pristine packaging consistently put us at the faster end of that range.
SBA 7(a) loans for business acquisitions typically require 10% down. SBA 504 real estate loans require 10% down with 40% SBA-guaranteed second. Some startups qualify for 0% down with strong collateral or experienced ownership, we scope eligibility during the first call.
Every document moves through our encrypted portal into lender systems, never unsecured email. Access is limited to the loan-processing team assigned to your file, and post-close documentation is retained in our SOC-aligned document environment.
Secure Your Expansion Funds
Get pre-qualified for an SBA 7(a) or 504 loan with our commercial funding experts today.
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