SBA loans are loans guaranteed by the Small Business Administration and are designed to help businesses access financing with lower down payments and longer repayment terms. We offer both SBA 7(a) loans (ideal for working capital, real estate, and equipment) and SBA 504 loans (focused on real estate and equipment purchases).

To qualify for a commercial loan, lenders typically look at the property’s value, your business’s financial health, your creditworthiness, and the loan-to-value ratio. We work with you to present your business in the best possible light to lenders.

Yes! We offer commercial construction loans that cover both land and construction costs, helping you finance your project from start to finish.

For commercial loans, we close in approximately 45 days. SBA loans typically take 45-70 days to close, depending on the complexity of the deal.

On average, the mortgage process takes:

Residential purchases: Under 20 days
Residential refinance: Under 20 days
Commercial loans: 45 days
SBA loans: 45-70 days

We work to ensure the process moves as smoothly and quickly as possible.

For a residential mortgage, you’ll typically need:

Proof of income (W-2s, tax returns, pay stubs, or bank statements)

Proof of assets (bank statements)

Credit report

Identification (driver’s license or passport)

For commercial loans, we may require additional documents like business financials, tax returns, and a business plan

Underwriting is the process where the lender reviews your financial information to assess your ability to repay the loan. We help you prepare for this stage, ensuring you have all necessary documentation and are ready for any requests the underwriter may have.