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GHC Funding
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Samantha specializes in editorial strategy, compliance review, and refining complex finance topics into accessible, reader-friendly guidance.
SBA 7(a) & 504 Highlights
- Loan amounts from $100,000 up to $15 million+ (program-dependent).
- Up to 90% financing for eligible acquisitions, real estate, and equipment.
- Use funds for working capital, refinance, expansion, and partner buyout.
- Longer terms (up to 25 years on real estate) to keep payments manageable.
Simplifying SBA 504 Refinance Rules for Arkansas Business Owners
Meet Sarah, a small business owner in Little Rock. She runs a thriving bakery that’s been serving the community for over a decade. However, with rising costs and an older loan with high interest rates, Sarah found herself in need of a financial solution. Like many Arkansas business owners, she discovered the SBA 504 refinance program, which could be the answer to her challenges.
Understanding SBA 504 Refinance Rules
The SBA 504 refinance program is designed to help small business owners refinance existing debt related to fixed assets, such as real estate or equipment. This can be a game-changer for business owners in Arkansas looking to improve cash flow and reduce monthly expenses.
In plain English, this program allows you to refinance existing loans with favorable terms. It’s particularly beneficial for those who need to free up working capital while securing lower interest rates.
Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!
⚡ Key Flexible Funding Options:
GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:
DSCR Rental Loan
- No tax returns required
- Qualify using rental income (DSCR-based)
- Fast closings ~3–4 weeks
SBA 7(a) Loan
- Lower down payments vs banks
- Long amortization improves cash flow
- Good if your business occupies 51%+
Bridge Loan
- Close quickly — move on opportunities
- Flexible underwriting
- Great for value-add or transitional assets
SBA 504 Loan
- Low fixed rates through CDC portion
- Great for construction, expansion, fixed assets
- Often lower down payment than bank loans
🌐 Learn More
For details on GHC Funding's specific products and to start an application, please visit our homepage:
- Eligibility: Businesses must be for-profit and meet the SBA size standards.
- Benefits: Lower monthly payments, reduced interest rates, and potential access to additional cash for other business expenses.
Why Arkansas Businesses Benefit
Arkansas, with its diverse economy and vibrant cities like Little Rock, Fayetteville, and Fort Smith, presents unique opportunities and challenges. Business owners here face fluctuating market conditions, from agricultural shifts to retail competition.
For Arkansas businesses, the SBA 504 refinance program offers a chance to stabilize finances. With a required minimum credit score of around 680, many business owners can qualify, provided they meet other criteria. The approval process typically takes 30 to 45 days, allowing for relatively quick access to improved financial terms.
Common Mistakes to Avoid
- Not reviewing current loan terms thoroughly before applying.
- Overlooking eligibility criteria, such as business type and size.
- Failing to prepare necessary documentation, leading to delays.
- Ignoring the potential for additional cash flow improvements.
Case Study: A Success Story from Fayetteville
Consider John, who owns a manufacturing firm in Fayetteville. With a million loan at an interest rate of 8%, he struggled with cash flow. By refinancing through the SBA 504 program, John reduced his rate to 4.5%, saving $35,000 annually. This allowed him to invest in new equipment and hire additional staff, boosting productivity and profits.
Frequently Asked Questions
- What types of debts can be refinanced? Any existing commercial loan related to fixed assets can be refinanced.
- Is there a maximum loan amount? Yes, the SBA sets limits, but it generally accommodates most small to medium-sized businesses.
- How does the application process work? It involves submitting financial statements, tax returns, and business plans.
- Can I refinance multiple loans? Yes, as long as they meet the SBA’s criteria.
- What fees are involved? There are standard SBA fees, but they are often offset by the savings achieved.
- How do I start the process? Contact a qualified financial advisor or lender experienced with SBA loans.
Take the Next Step with GHC Funding
If you’re an Arkansas business owner facing financial challenges like Sarah or John, the SBA 504 refinance program might be your solution. At GHC Funding, we specialize in guiding you through the process, ensuring you get the best terms possible. Contact us today to learn how we can help stabilize your finances and support your business growth.
DSCR Loan IQ Quiz!
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Compare our top-rated commercial and investment property loan programs below.
- No income verification
- 30-year fixed | Interest-only available
- Great for rental properties + STR
- Fast approvals
- Working capital + business acquisition
- Up to $5M
- Low down payment
- Long-term financing
- Owner-occupied CRE
- Low fixed rates | 25-year terms
- Great for business expansion
- Refinance available
- Best for stabilized properties
- Competitive rates
- 12–25 year terms
- Lower fees than private lenders
Compare Loan Types
Find the Right Financing for Your Real Estate or Business Project
| Loan Type | Best For | Rates | Terms | Highlights | Apply |
|---|---|---|---|---|---|
| DSCR Loan | Rental properties (LTR & STR) | 5.99%+ | 30-year fixed, IO options | No income docs, fast approvals, great for investors | Check My Rate |
| Construction Loan | Ground-up, fix & build, major renovations | 8%–12% depending on scope | 12–24 months interest-only | Flexible draws, great for builders & developers | Get a Quote |
| SBA Loan | Business acquisition, working capital, CRE | Prime + spread | 10–25 years | Lowest down payments, long terms, best for business growth | See My Options |
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to explore financing options tailored to your needs.
GHC Funding helps entrepreneurs secure working capital, equipment financing, real estate loans,
and more—start your funding conversation today.
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