| Less
Money Down |
You can
leverage your personal or investment capital
harder with an SBA-guaranteed
loan. You can also get more done with less
up-front investment. |
| Longer
Payback Terms |
You can improve your
cash flow with lower monthly payments. And
where appropriate, you can fix a better match
between loan terms and the longer-term rates
of depreciation for capitalized equipment
or real estate. |
| Lower
Interest Rates |
Because the SBA absorbs a significant percentage
of the lending bank's loan risk, the bank can
lend at a lower interest rate. Paying less
loan-service overhead not only improves you
cash flow, but the savings go straight to your
bottom line. |
| No
Balloon Payment Required |
You can establish terms that minimize your
monthly payment without attaching a large pay
out at the end of the loan. That also protects
you from having to reapply for a renewal of
the loan maturity and incur new application
and closing costs. |
| Easier
Credit Available |
The SBA simply makes it easier to get the
loan you want. |
| Longer
Payback Terms |
You can improve your cash flow with lower
monthly payments. And where appropriate, you
can fix a better match between loan terms and
the longer-term rates of depreciation for capitalized
equipment or real estate. |