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SBA Loans

Types of SBA Loans

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SBA Bolt

  • Interest Rate: Approximately 14%
  • Funding Timeline: 6 to 10 business days
  • Eligibility Criteria: Assessed based on FICO score, business credit, and background checks
  • Funding Amount: Up to 30% of top-line revenue, with a maximum limit of $150,000 for businesses generating over $500,000 in revenue
  • Reapplication: Clients may reapply after 30 days if their initial application is declined

SBA Express

  • Funding Limit: Up to $500,000
  • Notes: Loans exceeding $500,000 transition to an SBA Conventional/Traditional loan

SBA 7(a) Loan Program

  • Term Length: 10 years
  • Maximum Funding: $5 million, with the possibility of reaching $6.2 million if the lender contributes an additional $1.2 million
  • Purpose: Suited for substantial funding needs and long-term growth initiatives

SBA 504 Loan

  • Purpose: Designed for financing commercial real estate or equipment purchases
  • Terms: 25 years for real estate / 10 years for equipment
  • Loan-to-Value (LTV): 90% financing based on real estate value
  • Maximum Funding: Up to $15 million, with fixed interest rates ranging from 6% to 7%
  • Prepayment Options: Allows for interest savings through early repayment
  • Use of Funds: Financing for refinancing, construction, or renovations of commercial properties (zoned for industrial or commercial use)

Get in Touch Today - 609.848.3267

Don't Just TakeOur Word For It

Hear from those we serve like family

Chris and Paula GreenOwner
"Sandbar Fund was phenomenal to work with. They guided us through every step, answered all of our questions upfront, no hidden agenda. Their goal was to continue to help us grow and build our business. Without their guidance, our business would not be able to go to the next level. We appreciate them so much. They represent their company well. Very grateful to both of them."
Charles BernardoOwner
"John Bradley worked with me on my unique specialized telecom business, he was informative, persistent, but patient and got me the amount of funds needed to help with the expansion of my firm. At all times he answered every question, comparing his deal to two of his competitors he beat the other funding options that I had. I highly recommend Sandbar if you need funding quickly."
Humberto GarayOwner
"We've had the pleasure of working with Sandbar Fund to secure financing for our clients, and the results have been consistently exceptional. Our clients, specifically those who worked with Jason, have expressed extreme satisfaction with the entire funding process. Jason's expertise and dedication were evident every step of the way, making what can often be a complex process remarkably smooth and efficient."
Bill PetefishOwner
"John Bradley did a great job of finding us the funding we needed in a short amount of time. Excellent communication and follow-through. Highly recommended."
Sam ThanaOwner
"The best company I've worked with so far. Aidan and Anthony from Sandbar have excellent communication when it comes down to the numbers and different options for financing. Strong team that gets it done. I'll continue to refer friends and other business owners to Sandbar Fund."
Joshua HoecherlOwner
"These guys are awesome! Their patience with a busy business owner has been awesome, and they have helped all along the way. They are great!"
Paulo PinhoOwner
"Sandbar Fund was very helpful with getting me a line of credit. Quick turnaround and easy process to complete."
Trevon CardOwner
"It’s been great working with Jason. Awesome deals! Looking forward to gaining more momentum!"
RandleOwner
“Brian Turner helped me realize that the person I was working with was misleading me during my search for business funding. Thankfully, he was there to save me before it was too late.”
TonyOwner
“John Bradley was able to get me working capital in a pinch. John made sure we did not go overboard and take on more then what the business could handle. He even set out a gameplan to get me the SBA 7(A). I trusted John and he made sure that I ended up receiving the full $2,500,000 we requested.”
VibhuOwner
“I started working with RJ after I previously defaulted on a small merchant cash advance during Covid. Every other company was offering very expensive deals for small amounts. RJ was able to get me approved for $250,000 on significantly better terms. Since then I was able to add 7 more trucks to the fleet.”