SBA Loans

SBA Loans

Financing Your Small Business

Preferred Lenders of SBA Loans has designated Pearl Financing as a Preferred Financial services company. That means we can handle and expedite your small business loan while giving you the time and attention you deserve. We understand the unique challenges facing a small business owner, which is why we customize every plan we put together.

Commercial Real Estate

If you are interested in building, purchasing, renovating or refinancing an owner-occupied space, our team can help. We put together financing structures for:

  • Gas stations
  • Restaurants
  • Single-purpose buildings
  • Repair shops
  • Convalescent hospitals
  • Veterinary buildings
  • Hotels and motels

Acquire a Building

We love helping businesses grow, which is why we offer existing business acquisition loans that take your management capabilities and cash flow into account to structure the transaction. We can offer as much as $1.25 million each year with terms as long as 15 years. Other benefits include:

  • The loans are fully amortized.
  • We offer up to 80 percent financing.
  • There are no prepayment penalties.
  • Our pre-qualification process is just 48 hours.

Acquire Equipment

We can help you get the tools you need, including equipment for manufacturing, machinery, heavy tools and medical uses. We also offer financing options for commercial printing and binding, trucking equipment and tools needed for laundry and dry cleaning.

Start Ups Businesses

A business that has been in existence for less than 2 years is typically considered to be in its Startup phase. During this time it is typically difficult to find the correct lender that will issue your business the funds it needs to start, expand and grow. Working with Pearl Financing will get your business access to the correct financial institutions that fund startups.

Larger SBA Loans

If you are in need of a loan up to $5 million, consult with one of our staff members. We do not require pre-qualification letters nor do we charge prepayment penalties. These SBA loans come with terms as long as 25 years as well as up to 90 percent financing. All of our SBA loans are processed through the SBA-guaranteed loan program. We offer fixed and variable rates through our 504 and 7(a) programs.

Eligibility Requirements

We work with just about any type of for-profit business and commercial real estate that is at least partially occupied by the borrower. We base your eligibility on SBA standards, which typically include:

  • Retail businesses with less than $6 million in sales
  • Manufacturing companies with fewer than 500 workers
  • Service businesses with fewer than 100 employees

Contact Us Today

We can assist you with mortgages, refinancing and more. To find out how our specialists at Pearl Financing can help you, contact us today to schedule a no-obligation consultation appointment.