GCFS SBA Loans
SBA loans offer small businesses flexible, government-backed financing with competitive terms and lower down payments. These loans provide essential funding for startups, expansions, equipment purchases, and working capital. With longer repayment terms and lower interest rates than conventional loans, SBA loans help business owners manage cash flow and grow sustainably.
At GC Funding Solutions, we simplify the SBA loan process, guiding you through eligibility requirements, application steps, and lender connections. Whether you’re launching a new venture or scaling an existing business, our expertise ensures you access the best financing options tailored to your needs.
Key SBA Loans Facts
- Under the SBA 7(a) and 504 Program
- Purchase/ Refinance, including improvements
- Up to 100 % Financing
Fixed and Floating rates available (floating rates capped at 2.75 % over WSJ prime rate) - 25 Year Term – no Balloon payment
- Pre Payment 7(a) – only for first 3 years at 5,3,1 (partial prepayments allowed)
- Pre Payment 504 – 10 ,9,8….1, with a very low initial rate currently in the 2% range
** Owner Occupied Properties ONLY – owner must occupy at least 51 % of the building
SBA Loans are also offered for the following, which can be combined with real estate loans or be made singly:
- Working Capital, including Cap Lines for working capital, seasonal businesses, builder’s and individual contracts
- Machinery and Equipment
- Dept Refinance
- Business Expansion
- Inventory
- Partner Buyouts
