Where Growth Meets Capital
Where Growth Meets Capital

SBA Loans

Longer Terms,
Lower Payments

7(a) & 504 programs for working capital, equipment, and owner-occupied real estate—with bank underwriting and an SBA guaranty.

Business owner reviewing documents on a phone
SBA 7(a) & 504
  • $5K–$16MFunding Range
  • Up to 25 yrsTerms
  • 30–60+ daysTypical Funding

Loans issued by SBA-approved lenders; subject to eligibility, underwriting, and SBA rules. Timelines vary by file completeness.

Get Prequalified for SBA Financing

Fill out the questions below!

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Fast Facts

$5K–$16M
Funding Range
Up to 25 yrs
7(a) & 504 Programs
Prime + margin
Transparent Pricing
30–60+ days
Typical Funding

Loans issued by SBA-approved lenders; subject to SBA eligibility and underwriting. Rates typically tie to Prime + a margin; certain fees may apply. Timelines vary by file completeness and collateral.

What Is an SBA-Backed Loan?

SBA loans are funded by banks and credit partners with a partial government guaranty. That support enables longer terms and lower monthly payments compared with many conventional options—useful for working capital, equipment, or owner-occupied real estate.

Government-Backed Guaranty (7(a) & 504)
Longer Terms & Lower Payments
Uses: Working Capital, Equipment, O/O Real Estate

Rates typically tie to Prime + a margin; certain guaranty/packaging fees may apply. Personal guarantees from 20%+ owners are required; collateral is taken when available. Timelines are longer than non-SBA options (often 30–60+ days) and depend on file completeness and program. Approval is not guaranteed.

SBA Loans - 7(a) and 504

Long-Term, Low-Rate Capital for Growth

Government-backed financing for working capital, equipment, and owner-occupied real estate via 7(a) and 504 programs.

Stratas is a brokerage. An MCA is a purchase and sale of future receivables, not a loan. Remittances continue until the purchased amount is satisfied; factor rates are not APRs. A UCC-1 filing, bank verification, and personal guarantee may be required. Stacking restrictions may apply. MCAs are not available in CA, MO, TX, UT, or VA. Approval, amounts, and pricing are determined by the funding company after full review of bank history, credit, and business performance. By proceeding you agree to Stratas Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.

Get Prequalified for SBA Financing

Fill out the questions below!

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Long-Term, Low-Rate Capital for Growth

Government-backed financing for working capital, equipment, and operational real estate via 7(a) and 504 programs.

$5K–$16M
Loans Range
$1,500,000*
Average Loan Amount
Qualification
Based On Application
Support
Dedicated Funding Specialists

*Average amount based on historical SBA transactions; not a guarantee of approval or terms. Stratas is a brokerage and does not make credit decisions. Loans are issued by SBA-approved banks and remain subject to SBA eligibility and lender underwriting. Personal guarantees from owners with 20% or more ownership are required; collateral and, in some cases, equity injection may be required depending on program and use of proceeds. Documentation is extensive and timelines are longer than non-SBA options. Final rates, amounts, and terms are set by the lender after full verification and may change. By proceeding you agree to Stratas Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.

What is SBA Financing?

With our government-backed financing via SBA programs, a lender provides funding with an SBA guaranty—built for longer terms and lower payments across uses like working capital, equipment, and owner-occupied real estate.


The 7(a) program covers a wide range of business needs; 504 focuses on fixed assets (real estate/equipment) with long amortizations. Personal guarantees from owners with 20%+ ownership are standard; collateral and an equity injection may be required. Timelines are longer than non-SBA options, and rates are typically tied to Prime plus a margin.

Top Benefits of SBA-Backed Financing

Longer terms and lower payments for working capital, equipment, and owner-occupied real estate via 7(a) and 504.

Funding $5K–$16M

Right-sized capital for everything from working capital to large fixed-asset purchases.

Long Terms, Lower Payments

Up to 10 years for working capital and up to 25 years for owner-occupied real estate keeps monthly costs down.

Clear Prequalification

Typical baseline: 650+ credit, strong cash flow (DSCR ≈ 1.15+), U.S. business, and no unresolved federal obligations. Final eligibility set by the lender under SBA rules.

Broad, Practical Uses

Working capital, equipment, inventory, tenant improvements, or owner-occupied real estate for expansion.

Competitive, Transparent Pricing

Rates typically tied to Prime plus a margin; certain guaranty fees may apply and can often be financed into the loan.

Expert Packaging & Clear Timeline

Dedicated support assembling the SBA file. Typical timelines run 30–60+ days; pre-checks in 24–72 hours help set expectations early.

Stratas is a brokerage and does not make credit decisions. Loans are issued by SBA-approved banks and remain subject to SBA eligibility and lender underwriting. Personal guarantees from owners with 20%+ ownership are required; collateral and an equity injection may be required depending on program and use of proceeds. Submitting an application is not a commitment to lend or a guarantee of approval.

How to Apply for SBA Financing

  1. Fill Out the Form to Get Pre-Qualified

    Complete the short form below with basic business info so we can pre-check eligibility fast.

  2. Submit Your Application

    Upload tax returns, bank statements, and ID, then finalize your application for underwriting review.

  3. Receive Funding Offers

    Compare offers and terms. Your specialist will help you choose the best fit for cash flow.

  4. Get Funded

    Finalize docs and receive capital—often within 24–48 hours after approval and verification.

Get Prequalified for SBA Financing

Fill out the questions below!

NEXT

Is SBA Financing Right for You?

If your business does not meet these criteria, you may not be eligible for an SBA-backed loan. However, you could still qualify for another funding product.

  • 650 or higher
    Credit Score
  • Personal guarantees required
    Owners with 20%+ ownership
  • Minimum of 12 months
    Time in Business

Stratas is a brokerage and does not make credit decisions. SBA loans are issued by SBA-approved banks and remain subject to SBA eligibility and lender underwriting. Personal guarantees from owners with 20%+ ownership are required; collateral is taken when available and lack of full collateral is not an automatic denial if cash flow supports. Timelines are longer than non-SBA options (typical funding 60–90 days from a complete file). Submitting an application is not a commitment to lend or a guarantee of approval.

What You’ll Need To Apply

Below are the documents and details we almost always require, plus items that may be requested depending on product, amount, and underwriting review.

Required for all applications

required

Basic Business Information

Legal name and DBA, EIN, business address, ownership percentages, entity type, industry, and contact details.

required

Signer Identification

Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.

required

Business Bank Statements

Last 3–6 months of statements to confirm deposits, cash flow, and account health.

required

Funding Account Details

Voided check or bank letter with routing and account number for funding and remittances.

required

Corporate & Ownership Documents

Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.

Product-specific items (requested based on product and amount)

product specific

Business & Personal Tax Returns

Common for term loans and SBA requests, or for larger limits and longer terms.

product specific

Financial Statements

YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.

product specific

Program Packets

Examples: A/R aging and invoices/POs for factoring; purchase contracts, appraisals, or environmental for real estate/equipment; franchise addenda for SBA.

product specific

Existing Debt Details

Statements or payoff letters for current loans or advances if consolidating or refinancing.

product specific

Collateral & Insurance Evidence

UCC search, equipment lists, COI, or landlord contact; required when collateral or assignments apply.

Tip: Submitting clean, consistent statements and complete ownership information shortens review time across all products.

Stratas — Where Capital Meets Growth

Capital Deployment Strategy. Funding with a plan.

We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.

Flagship

Term Loan / Access to Capital

For acquisitions, expansion, and working capital—with a plan behind every dollar.

$250,000 – $6,000,000typical funding range
  • Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
  • Milestone releases + weekly reviews—you draw only what you need, when you need it.
  • SBA options (7(a), 504) Longer Terms Up to 16M

Why this works

Money alone doesn’t fix growth—how you spend it does. We help you decide where each dollar goes and how it comes back.

Every engagement runs on a weekly cadence: owners, targets, and a simple scorecard. You stay in control and see progress in real time.

  • 2,500+businesses served
  • $100M+funded
  • USAnationwide coverage
  • SBApartnered programs

How we deploy capital

  • Marketing (B2B & B2C)
    Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
  • Operational Software
    CRM, quoting, scheduling, and service tools built around how you sell and deliver.
  • AI Systems
    Phone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
  • Automations
    Automatic handoffs and reminders so tasks happen on time without extra headcount.
  • Payments
    Modern processing that releases funds fast and lowers fees—your cash stays in play.
  • Executive Consulting
    Clear owners, weekly reviews, and 3–5 KPIs that keep momentum.
We also offer
  • SBA Loans (7(a) & 504)
  • Lines of Credit
  • Revenue-Based Financing (MCA)
  • Invoice Factoring

Available nationwide.

Case Study

Multi-Location Dental Group

We deployed $1.0M across paid media, outbound, CRM clean-up, phone AI, and simple automations. The weekly scorecard tracked booked visits, show rate, and revenue per visit. Funds were released in stages only when each step was ready.

  • Payback: ~7 months
  • 12-month return: ~2.5× (about +$1.5M net)
  • Cost per new patient: down ~18%
  • Funds held: none—modern payments
Dental Office
View more case studies

Top Benefits of SBA-Backed Financing

Longer terms and lower payments for working capital, equipment, and owner-occupied real estate via 7(a) and 504.

Funding $5K–$16M

Right-sized capital for everything from working capital to large fixed-asset purchases.

Long Terms, Lower Payments

Up to 10 years for working capital and up to 25 years for owner-occupied real estate keeps monthly costs down.

Clear Prequalification

Typical baseline: 650+ credit, strong cash flow (DSCR ≈ 1.15+), U.S. business, and no unresolved federal obligations. Final eligibility set by the lender under SBA rules.

Broad, Practical Uses

Working capital, equipment, inventory, tenant improvements, or owner-occupied real estate for expansion.

Competitive, Transparent Pricing

Rates typically tied to Prime plus a margin; certain guaranty fees may apply and can often be financed into the loan.

Expert Packaging & Clear Timeline

Dedicated support assembling the SBA file. Typical timelines run 30–60+ days; pre-checks in 24–72 hours help set expectations early.

Stratas Financial is a brokerage and does not make credit decisions. Loans are issued by SBA-approved banks and remain subject to SBA eligibility and lender underwriting. Personal guarantees from owners with 20%+ ownership are required; collateral and an equity injection may be required depending on program and use of proceeds. Submitting an application is not a commitment to lend or a guarantee of approval.

How It Works

  1. Fill Out the Form to Get Pre-Qualified

    Complete the short form below with basic business info so we can pre-check eligibility fast.

  2. Submit Your Application

    Upload bank statements and ID, then finalize your application for underwriting review.

  3. Receive Funding Offers

    Compare offers and terms. Your specialist will help you choose the best fit for cash flow.

  4. Get Funded

    Finalize docs and receive capital—often within 24–48 hours after approval and verification.

Get Prequalified for SBA Financing

Fill out the questions below!

NEXT

SBA: Quick Eligibility Check

If one of these isn’t a match, you may still qualify for another product.

  • 650 or higher
    Credit Score
  • Personal guarantees required
    Owners with 20%+ ownership
  • 12+ months
    Time in Business

Stratas Financial is a brokerage and does not make credit decisions. SBA loans are issued by SBA-approved banks and remain subject to SBA eligibility and lender underwriting. Personal guarantees are required; collateral is taken when available. Typical funding 60–90 days from a complete file.

Application Checklist

Tip: Clean, complete statements + ownership info = faster decisions.

Stratas — Where Capital Meets Growth

Capital Deployment Strategy Funding with a plan.

We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.

City skyline at dusk
Flagship

Term Loan / Access to Capital

For acquisitions, expansion, and working capital—with a plan behind every dollar.

$250,000 – $6,000,000typical funding range
  • Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
  • Milestone releases + weekly reviews—draw only what you need, when you need it.
  • SBA options (7(a), 504) when longer terms or larger projects make sense.

Why this works

Money alone doesn’t fix growth—how you spend it does. We help decide where each dollar goes and how it comes back.

Every engagement runs on a weekly cadence: clear owners, simple targets, and a short scorecard. You stay in control and see progress in real time.

  • 2,500+businesses served
  • $100M+funded
  • USAnationwide coverage
  • SBApartnered programs
How we deploy capital
  • Marketing (B2B & B2C)
    Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
  • Operational Software
    CRM, quoting, scheduling, and service tools built around how you sell and deliver.
  • AI Systems
    Phone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
  • Automations
    Automatic handoffs and reminders so tasks happen on time without extra headcount.
  • Payments
    Modern processing that releases funds fast and lowers fees—your cash stays in play.
  • Executive Consulting
    Clear owners, weekly reviews, and 3–5 KPIs that keep momentum.
Deployment playbook
  1. Validate: Baseline economics, capacity, and constraints.
  2. Build: Creative, funnel, CRM, and AI/automation builds.
  3. Launch: Phase-gated spend with benchmarks and guardrails.
  4. Optimize: Weekly scorecards & rapid A/B iteration.
  5. Scale: Expand channels and headcount against payback windows.
Case Study

Multi-Location Dental Group

Objective: Grow new-patient production while reducing no-shows and admin load.

Before
  • Fragmented leads & CRM
  • Slow responses (mins/hours)
  • No-show rate ~21%
After (12 mo)
  • Unified CRM + Phone AI
  • Responses in seconds
  • No-show rate ~9%
  • Deployed: $1.0M across media, outbound, CRM clean-up, Phone AI, automations
  • Payback: ~7 months
  • 12-month return: ~2.5× (about +$1.5M net)
  • Funds held: none—modern payments
Case study results visualization
View more case studies