SBA Small Business Loans

 Is Your Business Ineligible for Traditional Bank Financing?

 

The SBA guarantees against default on business loans made by banks and other lenders that conform to its guidelines. Disaster Relief Loans are issued directly from the SBA.

 

Contrary to popular belief, these programs are NOT generally for persons with bad credit who can't get bank loans, nor are they primarily used for startup funding; rather, the primary use of the programs are to make loans for longer repayment periods and with looser affordability requirements than traditional bank financing.

 

Also, a business can qualify for the loan even if the yearly payment would be the same as the previous year's profit, whereas most banks would want payment for a loan to be no more than two-thirds (2/3) of the prior year's profits for a business. The lower payments, longer terms and looser affordability calculations allow some businesses to borrow more money than they could otherwise.

 

Please Note: You'll typically need at least a 680 credit score with no recent delinquencies or bankruptcies, positive cash flow or projections, industry experience, and 10-20% of your own contribution in the project to qualify for a SBA Small Business Loan. If you don't qualify for a SBA Small Business Loan, Vital Cash Flow provides some alternative business financing solutions regardless of your current circumstance. Visit Your Money for more details.

 

One of the most popular uses of SBA Small Business loans is for commercial mortgages on buildings occupied by a small business. These programs are chosen because most bank programs, while having similar payments and rates, require borrowers to refinance every five years.

 

Types of Guaranteed Small Business Loans through banking institutions include:

 

 

 

 

 

Once an SBA guaranteed bank loan is approved

The SBA may mail closing documents to the applicant for signature. Disbursements may include an initial unsecured amount of $10,000 and subsequent disbursements pending upon construction progress and continued insurance coverage. After final disbursement, the loan is transferred to the SBA's Office of Capital Assets for management and servicing or collection in the case of default.

 

Apply Now for a SBA Loan or email us at customerservice@vitalcashflow.com if you have any questions. You may also contact us at (888)465-0247 Ext 703 to find out how doing business with Vital Cash Flow TM may help increase your cash flow with a SBA Small Business Loan.

 

 

RELATIONSHIP REWARDS MILES: Earn (one) 1 Relationship Rewards Mile for every $1.00 you receive in Future Sales Financing TM.. Earn 1/5th Relationship Rewards Mile for every $1.00 you receive in SBA Loans, Equipment Leasing Account Receivable Financing, Barter Trade Dollars, and Future Sales Financing TM  with a fixed dollar amount remitted daily, weekly, or monthly, and all other business financing. Plus, you'll receive 10,000 miles each calendar year that you use at least one of VCF's products or services,10,000 miles for every NEW customer you refer, and promotional miles throughout the year for bringing additional business to vital cash flow. Redeem miles for our Profit Recovery Services, Check Guarantee Services, Gift & Loyalty Card Services, Credit Card Processing Services, Recurring Billing Services, Multiple Check Payment Guarantee Services, other products/services offered by Vital Cash Flow, or to simply buy down the cost of any NEW business financing. Please allow up to 45 days for Relationship Rewards Miles to be added to your account, once earned. 

 

The number of miles required to redeem for products and services is based on your chosen purchases, multiplied by 125 (e.g., if the cost of the purchase is $150.00, the miles required for redemption will be $150 x 125 = 18,750 Relationship Rewards Miles.

 

Rewards will be calculated as specified above and then rounded to the nearest whole increment. Your account must be open and in good standing (not past due, over limit, fraudulent, restricted, high risk,  in collections, or part of a consumer credit counseling program or bankruptcy settlement) to redeem rewards. Relationship If payments are received based on sales, Rewards Miles may not be added to your account or redeemed if there's a greater than 40% unexpected decrease in your gross sales and/or credit card sales.

 

Our Relationship Rewards Miles don't expire as long as your account is open and in good standing and you have used at least one of our products or services in the last calendar year. Relationship Rewards Miles can not be combined with any other offers, incentives, gifts, discounts, or specials. Relationship Rewards Miles may be redeemed for a minimum of 18,750 miles. You have the option to donate all or part of your miles to a charity of your choice. Vital Cash Flow has the right to change or cancel all rewards at any time. However, any earned miles will be honored.

 



 

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"An SBA Loan is a loan granted by financial institutions and “guaranteed” by the backing of the United States Government."