SBA Loan benefits include longer terms and larger loan amounts than you might be able to obtain through a conventional loan. They also include competitive interest rates and no balloon payments or annual reviews. Successful companies like Nike, Federal Express and Apple Computer once used SBA financing to make their goals a reality.

And all SBA loans are fully amortized. To understand the benefits of full amortization, consider a loan that is used to purchase commercial real estate.

The conventional bank loan is normally amortized over 15 to 20 years and renewed every 3 or 5 years. So, when a small business owner faces the 3 year review of that conventional loan:

	The bank may decide that its risk appetite no longer favors loans for those types of businesses and therefore requires full payment.
	The bank may review and reamortize the loan over another 15 to 20 year period which would mean more interest over the term of the loan.
	If the small business is doing well, the bank may renew the loan as is, but often the borrower must still pay thousands of dollars in costs associated with the renewed loan application.

All of that uncertainty and additional expense for refinancing or restructuring of the loan, is eliminated with SBA financing which is fully amortized over the entire 25 year term with no annual reviews or balloon payments.

For small businesses, cash flow can be a major concern. A SBA guaranteed loan may be the answer and possibly the best way to obtain long term financing. SBA loan terms typically range from 7 to 25 years, fully amortized, depending on the purpose.

SBA guaranteed loans are made by private lenders and are guaranteed by the SBA with funds appropriated by Congress. Annually, the SBA guarantees over $10 billion for these types of loans.

Our name says it all. We’re not a bank. We’re experienced, dedicated business lenders. We won’t try to get you to open a checking account or use other bank services. Our mission is to find ways to help your business prosper.

Loans for all reasons.
Just tell us your reason. We’d like to help. We provide loans for all kinds of reasons:

	real estate purchase, refinance or improvement
	debt refinance
	equipment purchase
	franchise business purchase
	business expansion
	inventory purchases

Why an SBA loan?
SBA loans offer longer terms and more flexibility than conventional loans and that means lower monthly payments. And, loans tailored to your business.

	up to 25 years to purchase a commercial building
	up to 15 years to purchase machinery, equipment, or an existing business
	up to 10 years for working capital, inventory or expansion
	no balloon payments or call provisions

A streamlined approach to applying.
Applying for an SBA loan with us is easy You’ll be asked to specify the amount of loan you desire and give a breakdown of how the funds will be used. You’ll also be asked to provide additional documents to show the financial stability of your business and the owners. The process is not much different than applying for any other type of commercial loan. For example, most SBA loans require:

	loan request form
	business financial statements and tax returns
	a summary business plan

Most of this information is readily available from your accountant or tax adviser. In addition, Professional Accounting experienced SBA lending professionals are always available to answer your questions and assist you in completing the application.


You deserve to have it all.
Number crunching all by itself doesn’t make success stories. One-to-one relationships do. We have the knowledge to recommend creative solutions. So when you need a loan, call Professional Accounting . We’d like to lend you the money. Because we think small businesses deserve to have it all.