Is an SBA Loans & Hard Money for you?
SBA Loans are ideal if you’re a small business owner looking for long-term, low-interest funding backed by the U.S. government. Whether you’re launching a startup, expanding operations, or buying commercial real estate, SBA loans are built to help you grow with confidence and stability. They’re perfect for business owners who want affordable terms and a structured path to success.
Hard Money Loans, on the other hand, are a great fit if you need fast, short-term financing—especially for real estate investment or fix-and-flip projects. These loans focus on the property’s value, not your credit score, making them a solid option when timing is critical and traditional banks move too slow.
Benefits of SBA & Hard Money
SBA Loans offer highly favorable terms: low interest rates, longer repayment periods (up to 25 years), and lower down payments. These loans also give you access to expert support and funding for things like working capital, equipment, or property. They’re built to fuel long-term business growth with smart, manageable financing.
Hard Money Loans deliver unmatched speed and flexibility. Approvals are quick—often within days—and funding can be used for properties that wouldn’t qualify under normal lending rules. Whether you’re flipping a home, purchasing land, or developing a project, hard money gives you the capital to act fast and close deals with confidence.
Eligibility Requirements
For SBA Loans, you’ll typically need a credit score of 650+, a solid business plan, and financials that show you can repay the loan. Your business must be for-profit, U.S.-based, and fall within SBA size standards. Some programs require collateral and personal guarantees, but they offer more flexibility than most traditional loans.
For Hard Money Loans, eligibility centers around the asset, not the applicant. Lenders focus on the property’s value and your investment strategy. A 20–40% down payment or equity stake is standard, and while credit and income help, they’re not deal-breakers. If the numbers make sense, the deal can get done—fast.
