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About Us

Small Business Resource Associates offers Community Banks

  • Sales and product training to enable lenders to identify opportunities
  • Complete SBA loan packaging and follow-up from initial application through SBA approval and closing
  • Facilitation of the sale of the guaranteed portion in the secondary market
  • Operations set-up and reporting requirements
  • Servicing support throughout the life of the loan
  • Assistance with SBA workout procedures

Highlights of the SBA 7(a) Loan Program

  • The bank makes a loan and the SBA guarantees 75% of the loan
  • Use of proceeds can be to purchase or improve owner-occupied commercial real estate, purchase equipment, working capital, refinance existing debt, business acquisition, etc.
  • Terms are 7-25 years, all loans are fully amortizing with no balloon
  • The maximum loan under this program is $5,000,000
  • SBA’s minimum cash injection requirement is generally 10%
  • Interest rates are usually floating at Prime + 2.00% to 2.75%
  • Premiums for the sale of the guaranteed portion can be 7.00% to 18.00%

©Copyright 2014 Small Business Resources Associates (SBRA). All Rights Reserved.
1353 Riverstone Parkway, Suite 120-170, Canton, Georgia 30114 • 404-234-2713
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