Welcome to Lifeline Business Capital

In today’s fast paced business world, small businesses need cash and lenders are not anxious to lend to small businesses. More and more small businesses are turning to government backed SBA financing to obtain the funds they need.

There are many advantages to SBA financing as you will see in the following pages. However, it can be a complicated process for the small business owner, and can be time consuming.

Lifeline Business Capital was created to get rid of all the red tape. Our job is to listen to your needs, find you the most competitive SBA lender and work with your CPA or accounting staff to take the paperwork out of your hands. We will work to package your loan and make your application shine.

Together, we will make your SBA experience the best one for you and your business.

About Us

Lifeline Business Capital was created to get you through the maze of SBA financing. SBA is all we do…and we do it right.

 

What we offer:

At Lifeline Business Capital, we help package and place business loans with the very best SBA lenders in the country. In addition to the most competitive rates, we have the experience and knowledge to get through the paperwork, and will hold your hand throughout the process.  Unlike big banks, we take a personal approach and see our clients not as numbers, but as real people facing real challenges.

What you get:

  • Responsiveness
  • Quick turnaround
  • Access to the underwriting and closing teams to mitigate issues for a smoother process and closing
  • Ability to close deals in a timely fashion
  • Excellent rates

Recently closed through our lender network: 

Equipment Manufacturer Upstate New York:    SBA 7(a) Loan: 90% financing real estate purchase, 25 year term $3.4MM

Truck Rental Company Miami Florida:  SBA 7(a) Loan: Debt refinance 25 year term, $725,000 

Food Distributor Brooklyn New York:  SBA 7(a) Loan: Warehouse purchase 90% financing 25 year term fully amortized, $1.5MM plus closing costs

Toy Manufacturer Upstate New York: SBA 504 Loan: Purchase 90% financing 25 year term fully amortized, $4.3MM

Specialty Footwear Supplier New Jersey: SBA 7(a) Loan: Working capital and inventory, loan used for business growth, 50% collaterized to loan 10 year term, $485,000

Bedding Company New Jersey: SBA 7(a) Loan: Building purchase 85% financing 25 year term, $2.4MM

SBA Loan Types

There are many different SBA loan programs. These are the most popular programs for small business:

SBA 7(a) $50,000 to $5,000,000:

The most popular SBA loan program used for any of the following:

  • Start a new business
  • Continue operating a current business
  • Purchase land or equipment
  • Construction costs
  • Purchase an existing business
  • Refinance existing debt
  • Purchase equipment, machinery, furniture etc.
  • Fund short and long term working capital needs
  • Helps businesses that export abroad or to rural areas
  • Marketing, renovation, inventory
  • Fees can be financed

Terms:

  • Real Estate, up to 25 years
  • Business, acquisition, equipment, up to 10 years
  • Working Capital: 5 to 7 years
  • Down payment minimum 10 percent

SBA Sub 350 up to $350,000:

Same as SBA 7(a) above for non real estate transactions, less collateral needed

SBA 504 $2,000,000 to $20,000,000

Long term fixed rates to acquire property for expansion

  • Commercial real estate
  • Construction
  • Renovation
  • Fixed competitive rates
  • Terms up to 25 years
  • Down payment minimum 10 percent
  • Fees can be financed

SBA Loan Benefits

SBA loans were created for entrepreneurs looking to start, buy or expand a business. SBA funds can be used to purchase real estate, cover construction costs or to use as working capital.

SBA small business loans offer attractive repayment terms and low interest rates.

SBA loans do not come directly from the SBA. Rather, the SBA encourages banks to lend to small business owners with preferable terms and multiple loan options. In return, the SBA guarantees 75 to 85 percent of the loan for the bank if the loan defaults.

Check out these incredible SBA loan advantages:

  • Lower rates than other business loans
  • More time to pay your loan off, freeing up more cash to use for other business needs
  • Low down payments, as much as 90 percent financing on real estate loans
  • Loans for longer terms:
    • 25 years on real estate
    • 10 years on business acquisition & equipment
    • 5 to 7 years on working capital
  • Transaction types that fall out of conventional & alternative financing requirements:
    • Startups
    • SBA eligible franchises

We work with the best SBA lenders who have the low rates you are looking for, as well as the SBA experience and knowledge to get your loan approved quickly.

Contact

Don’t hesitate to reach out with the contact information below, or send a message using the form.

Get in Touch With Us

Lifeline Business Capital
1225 Franklin Avenue
Suite 325
Garden City, New York 11530
USA

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