Heritage Capital Finance

info@heritagecapitalfinance.com

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SBA Loans

Why Businesses Trust Us with Their SBA Financing

SBA Experts on Your Side

SBA lending can be technical. We handle the details, structure your file properly, and help you avoid delays and rejections caused by incomplete submissions or misunderstanding program rules.

Access to Multiple SBA Lenders

We partner with a network of SBA-preferred lenders, giving you more options and higher approval potential — instead of relying on one bank’s lending criteria.

Tailored SBA Solutions

Every business has different capital needs. We match you with the right SBA program and structure terms around your goals, cash flow, and growth plan.

Fast and Efficient Process

Most SBA delays happen because borrowers don’t know what lenders need. We prepare your file, present your business to lenders the right way, and move your application forward quickly and professionally.

Transparent, Relationship-Driven Support

We communicate openly, guide you through requirements, and keep the process clear from start to finish. You’re never left in the dark.

SBA Financing Solutions We Provide

SBA 7(a) Loans

Perfect for working capital, business expansion, inventory, refinancing debt, or buying a business.

SBA 504 Loans

Designed for real estate, construction, and large fixed-asset purchases — with long-term fixed interest rates.

SBA Equipment Financing

Secure affordable terms and longer amortization for essential business equipment.

Types of SBA Loans

SBA 7(a) Loans

The SBA 7(a) loan is the most common and flexible SBA loan program. Funds can be used for working capital, equipment purchases, business acquisition, refinancing existing debt, or expansion. Loan amounts can reach up to $5 million, with repayment terms that may extend up to 25 years depending on use.

SBA 504 Loans

The SBA 504 loan program is designed for the purchase of major fixed assets such as commercial real estate or large equipment. These loans typically involve a partnership between a bank and a Certified Development Company. SBA 504 loans offer long-term, fixed-rate financing with lower down payment requirements, making them ideal for asset-heavy investments.

Key Differences Between SBA Loan Types

SBA 7(a) loans offer broad flexibility and are best suited for working capital and general business needs, while SBA 504 loans are specifically structured for long-term fixed asset purchases. Choosing the right program depends on how the funds will be used and your overall financing strategy.