Here is a overview of our SBA-backed financing programs that may be a great fit for your business, whether you're planning an acquisition, looking to expand, or simply need flexible working capital.
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Critical Financing SBA 7(a) Loans & Marketplace Access
Through our single application, you can gain access to our network of over 40 SBA-approved lenders. The streamlined process includes uploading your key financials such as tax returns, profit and loss statements, and a recent balance sheet and then getting prequalified based on your business’s financials. This approach improves your credibility with both sellers and lenders.
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SBA Program 1 - (FastTrack & Boost)
Proprietary express programs are available for smaller SBA 7(a) loans offering:
• Prequalification within 24-48 hours
• Funding in as little as 7 to 10 business days for our FastTrack SBA Program (Up to $150,000)
• Funding in as little as 30 business days for our Boost SBA Program (Up to $350,000)
• Competitive rates (typically ranging from 9 - 11%)
• 10 Year terms with a wide range for the use of funds. (no debt consolidation)
• No prepayment penalties
• Ideal Credit Score is 650+ (Better approval chances at 675+)
• Get Started Below
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SBA Loans up to $5,000,000
• Prequalification within 24 -48 hours
• Funding timeframe 45-90 days
• Competitive rates (typically ranging from 9% - 11%)
• 10 year terms for working capital, hiring, marketing, debt refinance, equipment & more
• No prepayment penalties
• Get Started Below
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SBA 7(a) Loans for Real Estate & Equipment
SBA Loan for equipment - This long term financing option is ideal for purchasing owner occupied commercial real estate or large equipment. It typically involves:
• Up to $5 to $5.5 million in total project financing
• 50 percent bank loan, 40 percent CDC (Certified Development Company), and 10 percent borrower contribution
• Fixed interest rates and up to 25 year amortization schedules
• Get Started Below
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SBA Prequalification Process
The prequalification process takes just 2 to 3 business days and requires:
• Two years of tax returns (personal & business)
• Recent profit and loss statement and balance sheet (within 60 days)
• Optional business overview or offering memorandum
• Current Government ID - Drivers License or Passport
• Get Started Below
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Prequalification is offered at no cost and can be updated every 30 to 60 days to remain active as your deal progresses.
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Who This Helps
• Business Buyers gain access to competitive SBA loan options, streamline the financing process, and close faster
• Sellers improve buyer confidence and potentially increase the valuation and likelihood of closing
• Brokers use centralized tools to track client deals, upload financials, and simplify communication between all parties
GET STARTED
If you'd like to explore any of these SBA financing options, here’s how to get started:
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Begin our pre-qualification application at: https://www.criticalfi.com/sba
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Please have your financials ready (last 2 years of business and personal returns)
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Explore express loan options if you're looking for working capital up to $350k
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Inquire about SBA 504 loans if you're planning to acquire commercial property or equipment
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If you have further questions regarding which option would be the best fit for you, simply email us at applications@criticalfinancing.com