How SBA financing works

Government-backed loans for established businesses: larger amounts and longer terms in exchange for a fuller file and a longer timeline.

SBA loans are made by lenders and partially guaranteed by the U.S. Small Business Administration. The guarantee lets lenders offer terms they otherwise couldn't, which is why SBA financing suits larger, longer-horizon needs.

What to expect

A fuller documentation package: tax returns, financial statements, business plan or use-of-funds detail
A longer process than other products
Requirements on business eligibility and use of funds

What TK looks for

An established business with a personal credit profile generally 650 or higher and negatives ideally two or more years old. Because the file is document-heavy, clean records matter more here than anywhere. TK Capital Solutions is a funding brokerage, not a lender. Requirements vary by lender and program; nothing here is a promise of approval, amount, or timing.

What the SBA actually does

The Small Business Administration does not lend money. It guarantees a portion of loans made by approved lenders, and that guarantee is what lets those lenders offer terms they otherwise could not - larger amounts and longer repayment periods than conventional business lending.

TK Capital Solutions is not the SBA and is not a government agency. SBA programs run through participating lenders. Our role is positioning the file and guiding the process.

The trade you are making

Bigger and longer in exchange for more paperwork and more time. That is the whole bargain, and it is worth being honest about both halves of it.

SBA financing suits established businesses with solid financials and a real, specific need: an acquisition, a major expansion, commercial real estate, large equipment, or refinancing existing debt onto better terms. It is a poor fit for a business that needs money next week, and no honest broker will tell you otherwise.

What the file usually contains

This is the most document-heavy product we place. Depending on the deal, expect some or all of:

Business and personal tax returns.
A year-to-date profit and loss statement and a balance sheet.
A personal financial statement.
A debt schedule.
Formation and ownership documents.
And where the deal calls for it, a business plan, projections, a purchase agreement, or real estate information.

Not every document applies to every deal, but the client should expect a fuller picture than any other product asks for.

What generally matters

Personal credit typically 650 or better, with negative items ideally at least two years old. Beyond that, the emphasis falls harder on the business than anywhere else: revenue, profitability, cash flow, tax returns, existing debt, and time in business. Time in business matters more here than on any other product.

About timelines

SBA takes longer than the alternatives. How much longer depends on the lender, the program and the deal, and we do not promise timelines - not on this product and not on any other. If someone gives you a date for an SBA approval, treat that as information about them rather than about your file.

These are general guidelines, not guaranteed approval requirements. SBA programs and individual lenders set their own standards, and nothing here guarantees funding.