Funding Program

SBA Funding

SBA and traditional business funding options for stronger borrowers seeking longer-term financing structures.

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When you’re ready to apply for business funding, you can continue to Joe Starcher Funding’s dedicated Big Think Capital partner page. Prefer help first? Use the Deal Match Engine™ if you need help identifying a possible funding path.

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Current Program Snapshot

SBA Loan General Guidelines

Loan Amount

$150,000–$5,000,000

Terms

5, 10, or 20 years

Credit

640+

Time in Business

2+ years

Revenue / Profitability

Profitable company or $250,000+ annual revenue

Program snapshot: Guidelines are provided for orientation only and may change. Final eligibility, approval, rates, terms, amounts, documentation, and funding timing are determined by the applicable lender and underwriting.

Who This Is Best For

Established businesses that may qualify for more traditional documentation and underwriting.

How Review Works

SBA-oriented review is generally more documentation-intensive than short-term business funding. Joe evaluates business history, profitability or repayment ability, credit profile, requested amount, use of proceeds and available financial records.

What Matters Most

Business maturity, credit, financial performance, debt obligations, use of funds and complete documentation are important because SBA and bank-style programs typically involve deeper underwriting.

Program Guide

SBA Funding: Quick Answer & Review Factors

Quick Answer

SBA funding can offer longer-term business financing structures for qualified businesses, but it involves lender and SBA program requirements and a more detailed review than many fast-capital products.

How To Think About Fit

SBA programs may be considered for acquisitions, expansion, equipment, real estate or other eligible business purposes. Program fit depends on the borrower, business, transaction and use of proceeds.

Documentation To Expect

Expect a more complete documentation package, which can include business and personal information, financial statements, tax-related records and transaction-specific documents as required by the lender or program.

A suggested funding path is not an approval. Final eligibility, documentation, terms and funding decisions are subject to the applicable provider and program requirements.

Common Uses