Small Business Loans

Get up to $150,000 for Your Small Business!
Approval in 48hrs!Cash within 10 days!No collateral!Re-pay at your own paceBad credit. OK!No application fee!No closing costs!Simple one-page application
Financing in excess of $150,000 requires excellent credit or collateral such as real estate. If you require more than $150,000 and you have either excellent credit or sufficient collateral, .
Government Loans & Grants For Small Businesses!
Women * Minorities * Start-Ups * etc.
The U.S. Federal Government is the nation's largest provider of financial assistance for small businesses!
Since 1953 the Federal Government's Small Business Administration has helped small businesses succeed, from start-up through the many stages of growth.
Many big businesses whose names are now household words -- FedEx, Intel, Nike, Apple, Ben & Jerry’s, Compaq and AOL, just to name a few -- received money from the Federa
Small Business Loans, Grants, & Venture Capital
This is the Small Business Administration (SBA) primary business loan program. A 7(a) loan may be used for most business purposes including start-up, expansion, equipment purchases, working capital, inventory or real-estate acquisition.
The SBA can guarantee up to $750,000 of a private-sector loan. Interest rates for 7(a) loans are negotiated between the applicant and the lender.
If you are looking for a small business loan of $150,000 or less, SBALowDoc may be your answer.
SBAExpress encourages lenders to make more small loans to small businesses. Lenders approve loans of up to $150,000. Lenders can also offer revolving lines of credit to borrower
Offered to armed forces veterans, minorities, women, exporters, rural small business owners and business owners in certain specialized industries, this program enables the SBA to prequalify an applicant for a 7(a) loan guaranty before the applicant goes to a bank. The maximum loan amount is $250,000. The application will focus on your character, credit, experience and reliability rather than assets.
The MicroLoan Program provides short-term loans of up to $35,000. If you need a loan for small-scale financing purposes such as inventory, supplies and working capital, this program may be your answer.

This program features five types of loans for financing the short-term and cyclical working-capital needs of small businesses: Seasonal, Contract, Builders, Standard Asset-Based, and Small Asset-Based. The SBA can generally guarantee up to $750,000 of a loan.

The 504 Program provides long-term, fixed-asset financing through certified development companies. The maximum SBA debenture generally is $750,000 (up to $1 million in some cases).

Created for defense-dependent small firms that have been adversely affected by defense cuts; the maximum DELTA loan is $1.25 million.
Physical1,500,000 ($1.5 million). Any business that is located in a declared disaster area and hasincurred damage during the disaster may apply for a loan to helprepair or replace damaged property to its pre-disaster condition.
Community Adjustment & Investment (CAIP)
CAIP loans are intended to create new, sustainable jobs and preserve existing jobs in businesses at risk due to changing trade patterns with Canada and Mexico.
Export Working Capital Program (EWCP)
The EWCP provides short-term loans to small businesses for export-related transactions. Under the EWCP, the SBA can guarantee up to 90 percent of a secured loan or $750,000.
International Trade Loan (ITL)
This program offers short- and long-term financing to small businesses involved in exporting. The SBA can guarantee up to $1.25 million for a combination of fixed-asset financing and working capital.
Pollution Control Loan
To be eligible for this loan, your business must design, build, install or service a pollution control facility. Maximum SBA exposure under the program is $1 million.

Small Business Innovation Research (SBIR) Program - Under the Small Business Innovation Research (SBIR) program, 10 federal agencies having annual external research and development requirements of more than $100,000,000 ($100 million), must reserve 2.5% of these funds for award to small businesses.
Small Business Technology Transfer (STTR) Program - Under the Small Business Technology Transfer (STTR) program, five agencies with annual external research and development budgets of more than ($1,000,000,000) $1 billion, must reserve .15% of these funds for award to collaborative efforts between small businesses and non-profit research institutions.

Small Business Investment Companies (SBICs) - Unique economic-development tools, SBICs put venture capital, in the form of debt and equity financing, into small businesses for growth, modernization and expansion. SBIC's are investment companies licensed by the SBA. They make venture capital investments and long-term loans to small businesses.
Specialized Small Business Investment Companies (SSBICs)Typically, SSBICs make smaller investments than the regular SBICs. They are a significant component of the SBIC program, investing solely in small businesses owned by socially and economically disadvantaged individuals.
The Angel Capital Electronic Network (ACE-Net) - ACE-Net is a nationwide listing service that allows "angel" investors to obtain information on small, dynamic, growing businesses seeking $250,000 to $5,000,000 ($5 million) in venture capital

Business Loan Information Site Map
U.S. Federal Government is the nation's largest provider of financial assistance for small businesses!

In 1953 the United States government established the Small Business Administration (SBA) as a way of assisting entrepreneurs in forming successful small businesses through government guaranteed loans.
In this second installment, we will further examine what kinds of SBA loan options are available, and for what kinds of businesses they are most advantageous. We will also discuss the different types of SBA lenders. There are several different lending programs for those who qualify for an SBA loan.
While most companies seeking venture capital initially think about angel investors and venture capitalists, a large alternative source of financing is federal grants and loans. The two largest federal grant programs are run by the Small Business Administration (SBA), and by Small Business Investment Companies (SBICs).
Need funds to startup or expand your business? Follow these steps: A lender looks at a loan request in three sections known as the "three C's". They are: Credit, Capacity, and Collateral
There are lots of ways to get additional capital to expand a home-based business. But before you look outside for financing, leaving the decision about your company's progress and merits to someone else, consider these six ways under your nose to finance your home-based business.

What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers?

computers now make important credit decisions for major banks and financing companies. By gaining a better understanding of the credit scoring process, you may be able to help your firm maneuver in the new world of credit scoring. Here are some key points about business credit scoring worth

There are literally hundreds of commercial lenders waiting to provide new businesses with growth capital. With so many lenders to choose from, how can you get past the gimmicks to find the one that will fill your needs?

One option is to ask your family for help. Asking for financial help is always a tough decision, but sometimes it is the best option. In most cases a loan from the family would be interest free.