SBA
LOANS
SBA LOANS FOR STARTUPS & OWNER-OCCUPIED COMMERCIAL REAL ESTATE
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SBA loans offer some of the most flexible and affordable funding options for new and growing businesses. Whether you're launching your first business, opening a professional practice, or purchasing commercial property for your operations, SBA financing can provide a strong foundation.
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At Sure Foundation Consulting Services, we specialize in helping startups navigate the SBA funding process—from preparation to packaging to lender match.
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Why Entrepreneurs Choose SBA Financing?
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SBA loans provide advantages specifically suited for new business owners:
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Lower down payments
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Longer repayment terms (10–25 years)
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Flexible use of funds (buildout, equipment, working capital, and more)
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Accessible approval pathways for startups
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Ability to finance both the business AND the building
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Launching a business with SBA financing gives you room to grow and manage cash flow confidently.
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SBA Funding Options ($150,000 – $5,000,000)
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We offer two powerful SBA funding paths designed for startups.
SBA Startup Business
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Funding ($150K – $500K)
Ideal for entrepreneurs launching a new business or professional practice.
Common Uses:
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Buildout / Tenant Improvements
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Equipment & Furnishings
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Technology & Software
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Inventory
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Licensing & Permits
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First-year staffing
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Working capital (3–6 months)
Industries We Serve:
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Medical & Dental Practices
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Childcare Centers
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Pharmacies
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Car Washes
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Funeral Homes
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Assisted Living
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RV Parks & Campgrounds
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Self-Storage
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Manufacturing
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Franchises (FUND Score 600+)
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Professional Services (CPA, Attorney, etc.)
SBA Commercial Real Estate Funding
Funding ($350K – $5M)
Designed for businesses purchasing, constructing, or renovating owner-occupied commercial property.
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Examples
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Purchasing your first office or building
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Ground-up construction
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Renovations or expansions
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Equipment & FF&E included in one loan
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Your business must occupy at least 51% of the space.
Who Qualifies for SBA Funding?
SBA guidelines are clear, but actual approval depends heavily on your overall business story.
Every lender evaluates loans differently, which makes professional guidance essential.
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General SBA expectations include:
✔ Credit score 640–680
✔ Relevant industry experience or transferable skills
✔ Thoughtful business plan
✔ Realistic 3-year financial projections
✔ No recent bankruptcies or federal loan defaults
✔ 10% down payment for commercial real estate (when applicable)
✔ Clean, organized documentation
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However—many startups qualify even when they think they don’t.
If you're unsure how your scenario will be viewed, I can review your situation and recommend your most fundable path.
Flexible SBA Funding for Your Startup
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SBA financing can be structured to cover multiple needs in a single loan, including:
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Buildout or renovations
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Equipment & FF&E
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Inventory and supplies
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Operating capital
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And in many cases, the building your business will operate from
This flexibility makes SBA loans one of the best tools available for startup businesses.
Our SBA Funding Process
We guide startup founders through each stage of the SBA journey.
Our SBA Funding Process
We guide startup founders through each stage of the SBA journey.
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5 Simple Steps to Fund Your Small Business
CONSULTATION
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We discuss your goals, experience, project details, and funding needs.
SBA READINESS REVIEW & FILE PACKAGING
Your documents are evaluated and prepared to ensure clarity, completeness, and lender alignment.
LENDER MATCH​
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Your file is matched with the lender best suited to your loan amount, industry, and project.
UNDERWRITING & APPROVAL
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We help facilitate communication and keep your process moving efficiently.
CLOSING & FUNDING
SBA loans typically close within 45–90 days, depending on project complexity.
*DEPENDING ON LOAN TYPE
*AFTER APPLICATION ACCEPTANCE
Why Work With Sure Foundation Consulting Services
Startups often underestimate how much detail SBA lenders require. A well-prepared, complete loan file can significantly increase funding success.
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We help founders:
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Understand lender expectations
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Present their business clearly and professionally
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Prepare a clean and complete documentation file
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Avoid common SBA mistakes
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Navigate the SBA loan process confidently
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Match with the right SBA lender for their project
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Move through the process with clarity instead of confusion
Our goal is to make SBA funding achievable—not overwhelming.
Trusted Lending Expertise
With access to a nationwide network of mortgage lenders, banks, SBA lenders, and specialty financing partners, we identify the best funding options tailored to your unique situation.
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Personalized Service
We take time to understand your goals and guide you step-by-step through the process. Expect clear answers, reliable support, and funding solutions designed around your needs.
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Financing That Grows With You