Why Our SBA Loan Guarantee Changes Everything for Your Business

We just made a game-changing move: we now guarantee SBA loan approval for qualified clients. How? We’ve got direct access to an executive VP at a lending institution specializing in SBA loans. That’s right—it’s like insider trading, minus the orange jumpsuit. We’re leveraging this unique connection to help business owners secure the funding they need to dominate their industries.

Let’s get into the details of how SBA loans work and why this guarantee can help you scale faster than your competition.

What Is the SBA and an SBA Loan?

The SBA is a federal agency that supports small businesses by offering resources, training, and financial assistance. Think of them as a business booster club with a really complicated playbook. SBA loans aren’t directly funded by the government (thank goodness). Instead, they’re issued by banks and lenders, with the SBA guaranteeing a portion of the loan to reduce lender risk.

SBA loans are a win-win: you get lower rates and longer repayment terms, and lenders get to sleep at night knowing the SBA has their back.

The 3 Most Popular SBA Loans

1. SBA 7(a) Loan

The SBA 7(a) loan is the quarterback of the loan world, ideal for:

• Scaling a business
• Purchasing equipment or inventory
• Refinancing existing debt

Loan Highlights: Up to $5 million with terms of up to 10 years.

2. SBA Microloan

This is the “baby loan” for startups and small businesses needing smaller amounts of capital.

• Loan amounts: Up to $50,000 (because you’re just starting out and need to prove you’re not a flight risk).
• Terms: Up to 6 years
• Common uses: Working capital, purchasing supplies, or starting new ventures

3. SBA 504 Loan

The SBA 504 loan is for the big leagues—think real estate or major equipment purchases.

• Loan amounts: Up to $5.5 million
• Terms: 10, 20, or 25 years
• Benefits: Fixed interest rates and repayment terms that won’t make you cry at night

What Does It Take to Get Approved?

Here’s the fine print you should actually read:

Eligible Business Types and Industries

Most industries qualify, but if your business involves gambling, adult industry speculation, gambling, lending, life insurance, politics, non-profits or activities that require a ski mask, you’re out of luck.

Owner and Business Eligibility

• The business must operate for-profit and meet SBA’s size standards (translation: don’t pretend you’re Apple).
• Owners must hold at least 20% equity and not have unresolved criminal records. Basic adulting required.

Time in Business

At least two years of operation is ideal, though startups may qualify with a killer business plan (emphasis on “killer,” not “meh”).

Credit Requirements

• Personal credit: Typically 680+ (because apparently they care about how you’ve handled your personal Target card)
• Business credit: SBSS 155+; Show you’ve been responsible, not reckless.
• Here's our plug- if your SBSS isn't quite high enough, we can help compensate that with higher FICO scores... which again is WHY we offer our clients FREE credit repair!

Collateral

For larger loans, collateral may be required. But hey, that’s what your second car is for, right?

Required Documentation

• Tax returns (personal and business)
• Financial statements (P&L, balance sheets)
• Business plan
• Personal financial statement
• Debt schedule

(Basically, you’ll need everything short of your firstborn child.)

Pros and Cons of SBA Loans

Pros:

• Low Interest Rates: Affordable enough not to regret every payment.
• Long Repayment Terms: More time to repay means lower monthly payments and fewer panic attacks.
• High Loan Amounts: Access to significant capital for serious goals.
• Flexibility: Funds can be used for almost anything (well, within reason).

Cons:

• Lengthy Process: Approval can take weeks or even two months. Grab a snack—you’ll need it.
• Strict Requirements: They’re picky, and you’ll need to check all the boxes.
• Collateral: May be required for larger loans. Better start dusting off those assets.

Why Work With Us?

Here’s the point: we guarantee SBA loan approvals because of our guy at the bank offering SBA loans. It’s like insider trading—but legal and not with Nancy Pelosi. If your personal or business credit don’t meet typical standards, we’ll pull a few tricks out of our hat to get you in the best possible position. That means fixing your personal credit or building your business credit profile... and we’ve got you covered. FREE!

Ready to Take the Next Step?

Scaling your business is within reach. With the right guidance and access to SBA loans, you can unlock the funding you need to grow. Let’s connect and make it happen. Click https://bit.ly/FundingWithResults to fill out our intake form and see how we can help you today.

Carpe Diem,

Jose Sauceda- BDA Solutions