Business and Commercial Loans

We can provide your business with the right financing at the best rate and terms available. Why apply at one bank only to wait and either be offered a less attractive deal or possibly be turned down? We have access to hundreds of banks and private investors and can tailor a loan to meet your financing needs. We offer SBA, B&I (USDA Business and Industrial loan program), conventional and private investor loans at rates and terms that your business can afford.

Sample product offering:

• Loan amounts start at a minimum of $100,000
• Up to 90% LTV on owner-occupied commercial RE
• 75%-80% LTV on non-owner-occupied commercial RE
• Equipment loans and leasing options available
• Most property types including multi-family, retail, hospitality, commercial investment, and recreation accepted
• Business acquisitions, professional practice acquisitions, and partner buyouts all accepted without tangible collateral and underwritten on historical cash flow
• Fixed and variable interest rate options available all at competitive levels

Business Plans

We offer professionally researched and written business plans. No matter where you are in your business cycle (start-up, expansion, staus-quo) we can prepare a business plan that can help you get that loan or just help you plan for the future.

SBA Expertise

We have over 15 years of experience in working with the various United States Small Business Administration (SBA) programs and can help you find the type of loan that your business needs. Whether your needs involve the SBA 7(a) or 504 programs, we have the knowledge and expertise to navigate you through this sometimes arduous process. We can prepare your application and submit your loan for approval to the best lender for your particular loan purpose. All SBA lenders are not created equal and we have relationships with the top SBA lenders in the country. We also know the types of loans that they are looking for.

Business Brokerage

We can help you locate and contact a business broker in your part of the country that is experienced in your industry or area of interest. We have relationships with business brokers across the country and work extensively with them to help their clients. Whether you are buying or selling a business, we can help.

Business Consulting

Small Business Resource Associates offers full service small business consulting including: financial management, cash flow optimization, business development, marketing assistance, etc. Based on where you are and where you want to go with your business, we can analyze your current situation and develop a plan to strengthen and improve your business.

Financial Restructuring

Financial restructuring to help you through the current economic crisis can be the key to your business’s survival. We will analyze your operation and make recommendations on ways to help your business deal with today’s economy. We can even help you negotiate with your bank to get more favorable terms.

Web Services

Every business needs an Internet presence. We offer the latest in web technology. From simple online brochures of your products or services to robust web applications that play a crucial role in your business model, we can consult with you to deliver the solution you need to reach your customers and communicate with your constituents.

Insurance

Small Business Resource Associates offers a full line of insurance products through our insurance associates. Products include: Personal coverage such as auto, home, boat; Business coverage such as commercial property, general liability, workers compensation; Financial coverage such as life, health, and retirement.