Our Services

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The 7(A) Loan Program, SBA’s most common loan program, includes financial help for small businesses with special requirements. This is the best option when real estate is part of a business purchase, but it can also be used for:

•  Short- and long-term working capital
•  Refinance current business debt
• Purchase furniture, fixtures, and supplies

The maximum loan amount for a 7(A) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Your lender will help you figure out which type of loan is best suited for your needs. (https://www.sba.gov/funding-programs/loans/7a-loans)

The CDC/504 Loan Program provides long-term, fixed rate financing for major fixed assets that promote business growth and job creation.

504 loans are available through Certified Development Companies (CDCs), SBA's community-based partners who regulate nonprofits and promote economic development within their communities. CDCs are certified and regulated by the SBA.

The maximum loan amount for a 504 loan is $5 million. For certain energy projects, the borrower can receive a 504 loan for up to $5.5 million per project, for up to three projects not to exceed $16.5 million total

The 8(a) Certification was created for Small business owned by minorities throughout the United States. Each year the Federal Government is required to award 5% of their contracts to 8(a) Certified businesses.

• Special Bidding Preferences – 8(A) small businesses also receive preferential consideration when competing for open-bid contracts that are available to the rest of the federal marketplace
  
  
• Subcontracting Options – 8(A) small businesses may subcontract on the jobs they are awarded. That way smaller organizations don’t miss out on any larger prospects because of potential operational size limitations.
  
  
• Private Sector Opportunities – 8(A) certified organizations are also eligible to access exclusive private sector contracting opportunities outside the federal government.

A Minority Business Enterprise (MBE) Certification is a state program designed for businesses 51% owned and operated by American citizens considered an “ethnic minority.”

A Minority-Owned Business Certification will give you access to enormous State Government budgets and nationally recognized corporations who are required to purchase from minority-owned businesses.

The MBE Certification offers more accessible qualification criteria than federal certifications making it ideal for businesses that do not yet meet the requirements for Federal Certifications.

 If your business is at least 51% woman-owned and operated, you may be eligible for certification as a woman-owned business. The federal government aims to award a minimum of 5% of all contracting dollars to women-owned businesses each year, with certain contracts being set aside for woman-owned businesses that are economically disadvantaged. 

 One-on-one conversation with a trained industry consultant and recommended solutions.  We can help you resolve negative information or errors on your credit report.   We contact the credit bureaus and, in some cases, your creditors, to dispute inaccurate, unfair, or unsubstantiated information.