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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 the SBA Express Loan Process for Florida Business Owners
When Maria, a small business owner in Miami, faced unexpected challenges in expanding her family-owned bakery, she felt overwhelmed. She needed a quick financial boost but didn’t know where to turn. Like many Florida entrepreneurs, Maria discovered the SBA Express Loan could be her solution. If her story resonates with you, read on to explore how you can benefit from this streamlined financial resource.
Understanding the SBA Express Loan
The SBA Express Loan is designed for small businesses that need quick access to funding. Unlike traditional loans, it offers a faster application process and approval timeline. This loan is ideal for Florida businesses looking to manage cash flow, purchase equipment, or expand operations.
With the bustling economies of cities like Orlando, Tampa, and Jacksonville, many entrepreneurs face fierce competition and fluctuating market conditions. An SBA Express Loan can provide the financial flexibility needed to stay ahead.
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:
- Loan amounts up to $500,000
- Approval within 36 hours
- Flexible use of funds
Eligibility and Requirements
Before applying, ensure you meet the eligibility criteria. A minimum credit score of 650 is typically required. Additionally, your business should demonstrate the ability to repay the loan, supported by a solid business plan.
Approval timelines are a significant advantage, with decisions often made in 36 hours. However, thorough preparation is key to avoiding delays.
Common Mistakes to Avoid
Many Florida business owners make simple mistakes that can delay or jeopardize their loan approval. Here are some to watch out for:
- Incomplete applications: Ensure all required documents are submitted.
- Poor financial records: Maintain accurate and up-to-date financial statements.
- Unclear business plan: Clearly outline your business goals and repayment strategy.
- Ignoring eligibility criteria: Verify all requirements before applying.
Case Study: Success in St. Petersburg
Consider the case of John’s automotive repair shop in St. Petersburg. Facing rising operational costs, John needed $250,000 to upgrade his equipment. With a credit score of 680, he applied for an SBA Express Loan. Thanks to thorough preparation, his loan was approved in 48 hours, allowing his business to thrive in a competitive market.
Frequently Asked Questions
- What is the maximum loan amount? Up to $500,000.
- How long does approval take? Typically within 36 hours.
- What can the funds be used for? Various business expenses, including expansion and equipment purchase.
- What credit score is needed? A minimum of 650 is recommended.
- Can startups apply? Yes, if they meet the eligibility criteria.
- Is collateral required? It depends on the lender’s policies.
Get a Free Rate Today
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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Get 2026 SBA loans in Albuquerque. 7(a), 504, microloans & express loans. Compare rates, terms & lenders.
Read more →Contact GHC Funding Today
Ready to take the next step? At GHC Funding, we specialize in helping Florida businesses navigate the SBA Express Loan process. Our experienced advisors are here to guide you every step of the way. Contact us today to secure the financial support your business needs to succeed.
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Use these trusted resources to grow and manage your small business—then connect with GHC Funding
to explore financing options tailored to your needs.
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and more—start your funding conversation today.
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