Business Plans for Every SBA Loan Program
Each SBA loan program has unique requirements. We tailor your business plan to meet the specific standards of your chosen program.
SBA 7(a) Loans
The most common SBA loan for working capital, equipment, and expansion. Maximum loan amount: $5 million.
Plan Requirements:
- Detailed use of proceeds
- 3-year financial projections
- Management resumes
- Collateral documentation
CDC/504 Loans
Real estate and equipment financing with long-term, fixed rates. Maximum SBA debenture: $5.5 million.
Plan Requirements:
- Job creation analysis
- Property/equipment details
- Economic impact study
- 10% equity injection proof
Microloans
Smaller loans for startups and growing businesses. Maximum loan amount: $50,000 with flexible terms.
Plan Requirements:
- Business concept validation
- Cash flow projections
- Personal credit history
- Training completion proof
Meeting Every SBA Business Plan Requirement
SBA lenders have strict documentation requirements. Our plans include every mandatory section and supporting document.
Core SBA Requirements
- Executive Summary
Business overview, loan request, and repayment terms
- Company Description
Legal structure, ownership, history, and products/services
- Market Analysis
Industry overview, target market, competitive analysis
- Organization & Management
Organizational chart, owner bios, key personnel
Financial Requirements
- 3-Year Projections
P&L, cash flow, balance sheets with assumptions
- Use of Loan Proceeds
Detailed breakdown of how funds will be used
- Collateral Schedule
List of assets available to secure the loan
- Historical Financials
3 years of tax returns and financial statements
Supporting Documentation We Prepare
Why Choose SBA Financing?
SBA loans offer some of the best terms available for small businesses, making them ideal for growth and expansion.
Lower Down Payments
As low as 10% down compared to 20-30% for conventional loans
Competitive Rates
Lower interest rates than most conventional business loans
Longer Terms
Up to 25 years for real estate, reducing monthly payments
No Prepayment Penalties
Pay off your loan early without additional fees
90% Financing
Finance up to 90% of assets for qualified borrowers
Flexible Use
Use funds for various business purposes and expenses