SBA Loan

Interest Rates

4.75% - 7.00%*

SBA Loan Amounts

$30,000 - $5 million

Repayment Terms

10 - 25 years

SBA loan requirements

Various small businesses from a broad range of industries can successfully apply for an SBA 7(a) loan. Rather than listing what businesses we consider for approval, below you will find a list of businesses we exclude.

Excluded Businesses
  • Gambling
  • Life insurance
  • Religious teaching
  • Primarily political & lobbying activities
  • Oil wildcatting
  • Mining
  • Mortgage servicing
  • Real estate development
  • Bail bond
  • Pawn or private clubs
SBA eligibility requirements

If your business does not fall under one of the above excluded categories, the next step is to meet the following common eligibility requirements for an SBA loan from banks in the KefCapital network.

$30,000 to $350,000 SBA 7(a)

Working Capital or Debt Refinance

$500,000 to $5 million SBA 7(a)

Commercial Real Estate

  • Time in business must be above 2 years
  • Business owner’s personal credit score must be above 650
  • Business must be U.S. based and owned by US citizen or lawful permanent resident who is at least 21-years old
  • No outstanding tax liens
  • No bankruptcies or foreclosures in the past 3 years
  • No recent charge-offs or settlements
  • Current on government-related loans
  • Time in business must be above 2 years
  • The business owner’s personal credit score must be above 675
  • The real estate must be majority owner-occupied, i.e. at least 51% of the square footage of the property you’re buying must be occupied by and used by your business
  • Sufficient business and personal cash flow to service all debt payments, demonstrated by 3 years of tax returns and interim financial data
  • No delinquencies and/or defaults on government loans

Typically, businesses approved for an SBA loan from banks that participate in the KefCapital lending network have $50,000 to $5 million in annual revenues and 1 – 40 employees. Most businesses are profitable and have a positive cash flow. Also can provide proof that they are able to make the monthly loan payment.

SBA 7(a) Loan - uses of proceeds

Depending on the amount you want to borrow, you can use the funds from an SBA 7(a) loan for a variety of purposes like but not limited to refinancing high-cost debt, hiring, inventory, marketing, or purchasing commercial real estate.

Debt Refinancing / Working Capital

$30,000 - $350,000

Commercial Real Estate

$500,000 - $5 million

Loans of this amount can be used for working capital, new equipment purchases, and refinancing existing business debt not secured by real estate (such as cash advances, business loans, and equipment leases) and subject to the original use of proceeds from the business debt.

Loans of this amount can be used for the purchase or refinance of commercial real estate that is 51% owner-occupied.

SBA loans are the best deal going

Banks in the KefCapital network offer the gold standard for business owners who want to build their small business.

Related Service

Merchant Cash Advance

A merchant cash advance is a business cash advance program that provides you with capital by purchasing your future credit/debit card sales.

ACH Programs

Don’t accept credit cards? No problem! With our ACH Program you can still receive the funds you need to grow your business!

Merchant Processing Accounts

Looking for a Merchant Processing Account? Look no further! We work with a variety of different Merchant Processing companies to service your customers.

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