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SBA Loans

SBA Loan Program

The Small Business Loan Program is an excellent source of financing for most businesses. We are designated as a Preferred Financial services company. This designation means that the SBA has delegated the approval process which means fast and efficient processing of your SBA loan.

Commercial & Industrial Real Estate Financing

Purchase – Build – Refinance – Renovate – Owner-occupied

  • Non-conforming properties
  • Single-purpose buildings
  • Gas stations
  • Restaurants
  • Repair Shops
  • Auto Dealerships
  • Hotels and motels
  • Convalescent hospitals
  • Veterinary

Existing Business Acquisition Loans

  • Your company’s cash flow & management capabilities are our primary indicators
  • Up to $1.25 million a year
  • Up to 15-year term
  • Up to 80% financing
  • Loans fully amortized, no balloons
  • No pre-payment penalty
  • 48 hour pre-qualification

Equipment Financing

  • Heavy Equipment
  • Commercial printing & binding
  • Machine tools
  • Manufacturing Equipment
  • Trucking
  • Medical Equipment
  • Laundry/dry cleaning
  • Diagnostic Equipment
  • Other commercial & industrial equipment
  • Equipment Financing and Leasing options.

Small Business Loans up to $5 Million

  • No cost pre-qualification letters
  • Competitive rates and flexible terms
  • No pre-payment penalties
  • Up to 90% financing
  • Up to 25-year terms
  • Fully amortized
  • Fixed and variable rate options on both 7a and 504 programs

 

7(a) Loan Program

Eligible Businesses and Property Types: Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by borrower and includes, but is not limited to, the following types of properties:

  • Office Buildings
  • Warehouses
  • Industrial Buildings
  • Manufacturing
  • Child Care Facilities
  • Car Wash Facilities
  • Automotive Repair
  • Shops
  • Professional Buildings
  • Hotels and Motels
  • Restaurants
  • Gas Stations
  • Bed and Breakfasts
  • Franchises
  • Start-ups
  • Single-Use Buildings

Note: Eligibility based on SBA size standards. Typically, retail businesses with annual sales of less than $6,000,000, manufacturing business with less than 500 employees, and service businesses with less than 100 employees. Eligible businesses include those in retail, manufacturing, and services industries.

Use of Proceeds

Real-estate acquisition, construction, or refinance – up to 90% financing available

Business Acquisition – up to 80% financing available

Equipment Acquisition – up to 100% financing available

Debt Refinance -up to 100% financing available

Terms Up to 25 years for real-estate financing
Up to 10 years for equipment or business acquisition financing
Up to 7 years for permanent working capitalAll loans are fully amortized.

Interest Rates and Fees – Interest rates are always market competitive. Fees are generally limited to the SBA guaranty fee and customary closing costs.

Loan Amounts – Loan amounts range from $200,000 to $5,000,000.

504 Loan Program

Our loans, including the 504 Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Use of Proceeds Real-estate acquisition, construction, or refinance – up to 90% financing available

Equipment Acquisition – up to 80% financing available

Loan Structures – Financing available on projects up to $12,000,000.

  1. We can provide a first mortgage of up to 50% of the total loan-to-value. This loan can range from $100,000 to $3,000,000.
  2. The SBA, through a Community Development Company (CDC) provides up to 40% loan-to-value in a second lien position. This loan can range from $100,000 to $5,000,000.
  3. Terms and Interest Rateson First Mortgage 25-year term for real-estate loan and15-year term for equipment purchase with fixed and variable interest rates available.
  4. Second Mortgage– up to 20-year term for real-estate and up to 15-year term for equipment purchase. Fixed rate is determined at SBA guaranteed 504 debenture sale.

Eligible Properties

Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by the borrower.

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Mission Valley Capital
Toll Free: (844)-347-1070
Main Office: (858)-304-3198
Fax: (858)-304-3198