SBA loans are complicated. Good thing we speak fluent 504 and 7(a).
We turn a stack of bank requests into a funded deal — packaged for your business, shopped to the right lender, and built to actually close.
Real Estate Buyers
Buying or building owner-occupied commercial real estate? The SBA 504 was made for this.
Acquisitions & Buyouts
Buying a business, partner buyout, or expansion? 7(a) flexes for almost any deal structure.
Working Capital & Equipment
Need cash to grow, refi expensive debt, or buy heavy equipment? We'll match you to the right program.
Thinking About Selling?
Make sure your buyer can actually get financed. 90% of buyers under $5M need an SBA loan — and most businesses fail underwriting for fixable reasons. We make the business SBA-ready before you list.
What We Help With
SBA 504 Loans
Up to $5.5M for owner-occupied commercial real estate and major equipment. Long fixed-rate terms (10/20/25 yr), as little as 10% down. Best when you're buying or building the building you operate from.
SBA 7(a) Loans
Up to $5M for almost anything that grows the business: acquisitions, partner buyouts, working capital, equipment, leasehold improvements, debt refinance. Variable rates, 10-25 year terms.
Conventional & Bridge
Sometimes SBA isn't the right fit — speed matters, the credit profile is unusual, or the use of funds doesn't qualify. We have direct lender relationships for conventional commercial, equipment, and bridge financing too.
Want a Free Deal Review?
Send us the basics — purchase price, use of funds, your time horizon — and we'll come back with which SBA program fits, a realistic rate range, and what underwriting will actually want to see. No fees to apply.
Schedule a CallWork With an Advisor — Not a Bank Form
Walking into one bank gets you one bank's answer. The same SBA deal gets priced and underwritten very differently across lenders — some specialize in restaurants, some in real estate, some in fast acquisitions, some won't touch deals under $1M. As an independent advisory, we structure your deal around your business, then take it to the lenders most likely to fund it on the timeline you need.
Schedule a Call
Here's How Funding Actually Works
It's still personal — just a lot less painful.
Book a Call or Start Online
Pick what works — schedule a 15-minute call or send the basics through our intake form. We'll tell you on the first call whether the deal is fundable and what program fits.
Submit Your Docs
The portal opens with a standard SBA checklist already populated — tax returns, financials, debt schedule, purchase agreement. Upload each item and the status flips to "Submitted." Your advisor tailors the list to your deal.
We Package & Shop the Deal
We build the lender package, walk it through 2-4 SBA-active banks, and bring back term sheets. You pick the offer. We coordinate to closing.
Industries We Serve
The verticals where we've structured the most deals. Click through for the specifics on how the SBA programs apply.
Client Reviews
"I'd been bouncing between two banks for three months. HelmPoint had a term sheet in my hand in eleven days and we closed in 60. They knew which lender to take it to."
"The 504 piece intimidated me — two loans, two closings, the CDC layer. They handled all of it. I just signed where they pointed."
SBA Questions, Answered Simply
Quick reads on 504 vs 7(a), down payments, eligibility, and what lenders actually look at — explained like a human, not a regulation. No fluff. No jargon. Just clarity.
SBA 504 vs 7(a): Which One Is Right for Your Deal?
If you're buying real estate, 504 is almost always cheaper over the life of the loan. If you're buying a business, 7(a) is the only practical answer. Here's the deciding question.
How Much Do You Actually Need Down for an SBA Loan?
"10% down" is the headline. Reality is 10-25% depending on the deal type, real estate component, and your post-close working capital. Here's what underwriters expect.
Will You Qualify for an SBA Loan? The Real Checklist
Credit score is the smallest piece of the puzzle. The bigger questions: industry, debt service coverage, collateral, citizenship, prior SBA debt, and "for-profit" status.
Send us a message
Tell us about the deal — purchase price, use of funds, when you need to close. We'll come back within 24 hours.