The Small Business Administration (SBA) is a premier resource for government-backed business financing. By guaranteeing a portion of the loan, SBA loans enable small business owners to access capital with less equity required compared to traditional loans. The most common SBA loan offers flexible terms and uses, making it an excellent option for Business Acquisitions, Partner Buyouts, Real Estate Purchases, and Refinancing. Additionally, SBA loans can be used for Equipment Financing, Working Capital, and Debt Refinancing..

A select few of our lending partners are part of the SBA Preferred Lender Program (PLP), allowing us to secure funding for you more quickly. With the authority to approve loans without requiring SBA review, these lenders simplify the process and significantly shorten approval timelines. On average, SBA loans through PLP lenders are approved three to four weeks faster than those processed by non-PLP lenders.

The SBA 7(a) Loan is the most common SBA loan program, offering flexible terms and uses. It’s an excellent solution for business acquisitions, partner buyouts, real estate purchases, and refinancing.

• Up to 90% financing or higher
• Fully amortized with no balloon payments
• Loan amounts up to $5 million
• 100% Financing | Zero Down on Commercial Property Purchases.

The SBA 504 Loan is ideal for purchasing commercial real estate, financing property improvements, and acquiring large equipment.

• Low down payments (typically 10%) to preserve cash flow
• Fixed or floating interest rates
• Loan amounts up to $15 million

Some common reasons that business owners seek to refinance is because their existing loans have:

• High monthly payments
• High interest
• Short terms
• Many separate loans, with various payments & schedules to manage

The core of the SBA’s purpose in providing business debt refinancing is to offer a way out of loans with unreasonable terms while delivering a clear, tangible benefit to the business. This includes improving cash flow, reducing financial stress, consolidating debt, and creating more stability and flexibility for future growth.

Investing in commercial real estate can be a strategic way to build equity and grow your business. Compared to leasing, owning real estate offers several advantages:

• Tax Benefits: Deductions and other incentives reduce costs.
• Equity Growth: Build long-term wealth as property value appreciates.
• Future Collateral: Use the property to secure future financing.
• Peace of Mind: Gain stability without fluctuating rent increases.
• Room for Growth: Customize and expand your space as needed.

At Swish Financial, we’re committed to delivering smart, tailored lending solutions with efficiency and expertise.

• Low to Zero Down Payment Programs: Access capital or refinance with flexible terms.
• Deep Industry Knowledge: Our in-house team provides industry-focused guidance throughout the loan process.
• Efficient Process: We prioritize transparency and efficiency to save you time and avoid costly mistakes.
• Ongoing Service: Our Business Analyst Group supports you throughout the life of your loan.