SBA Loan Program

Getting the Right Small Business Loan — Quickly

Most small businesses do not have the luxury of waiting for lengthy small business loan approval.  At Flourish Commercial Capital, we understand how to process loans for small businesses quickly and efficiently.  Perhaps even more important, we understand the fiscal situations many small businesses are frequently in when of need SBA loans.

Flourish Commercial Capital works directly with preferred lending partners of the SBA. Our program for small business loans is simply more quick and efficient due to the expediency of our funding partners.  Flourish Commercial Capital can help small business owners like you get the right loan as quickly as possible.

As a small business owner, it is integral that you find the best loan as well as the best financial corporation to work with a soon as possible. Getting the right loan could be the difference between the success or failure of your small business, and it is of the utmost importance that your loan is processed quickly and efficiently. 

Due to our ability to process loans quickly and efficiently, Flourish Commercial Capital is a top financing resource for small businesses like yours.

Is an SBA Loan right for your needs?

Commercial Industrial Real Estate Financing

Purchase – Build – Refinance – Renovate – Owner-occupied

  • Non-conforming properties

  • Single-purpose buildings

  • Gas stations

  • Restaurants

  • Repair Shops

  • Auto Dealerships

  • Hotels and motels

  • Convalescent hospitals

  • Veterinary

Existing Business Acquisition Financing

  • Your company’s cash flow & management capabilities are our primary indicators

  • Up to $1.25 million a year

  • Up to 15-year term

  • Up to 80% financing

  • Loans fully amortized, no balloons

  • No pre-payment penalty

  • 48 hour pre-qualification

Equipment Financing

  • Commercial printing and binding

  • Machine tools

  • Manufacturing Equipment

  • Heavy Equipment

  • Trucking

  • Medical Equipment

  • Laundry/dry cleaning

  • Diagnostic Equipment

Loans Up to $5 Million

  • No cost pre-qualification letters

  • Competitive rates and flexible terms

  • No pre-payment penalties

  • Up to 90% financing

  • Up to 25-year terms

  • Fully amortized

  • Fixed and variable rate options on both 7a and 504 program

7(a) Loan Program

We specialize in providing long-term permanent financing to small businesses. Our loans, including the 7(a) Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Eligible Businesses and Property Types Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by borrower and includes, but is not limited to, the following types of properties:

  • Office Buildings

  • Warehouses

  • Industrial Buildings

  • Manufacturing

  • Child Care Facilities

  • Car Wash Facilities

  • Automotive Repair

  • Shops

  • Professional Buildings

  • Hotels and Motels

  • Restaurants

  • Gas Stations

  • Bed and Breakfasts

  • Franchises

  • Start-ups

  • Single-Use Buildings

About SBA Loans

Eligibility based on SBA size standards. Typically, retail businesses with annual sales of less than $6,000,000, manufacturing business with less than 500 employees, and service businesses with less than 100 employees. Eligible businesses include those in retail, manufacturing, and services industries.

Use of Proceeds Real-estate acquisition, construction, or refinance – up to 90% financing available

Business Acquisition – up to 80% financing available

Equipment Acquisition – up to 100% financing available

Debt Refinance -up to 100% financing available

Terms Up to 25 years for real-estate financing. Up to 10 years for equipment or business acquisition financingUp to 7 years for permanent working capital. All loans are fully amortized.

Interest Rates and Fees Interest rates are always market competitive. Fees are generally limited to the SBA guaranty fee and customary closing costs.

Loan Amounts Loan amounts range from $200,000 to $5,000,000

504 Loan Program

We specialize in providing long term permanent financing to small businesses. Our loans, including the 504 Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Use of Proceeds Real-estate acquisition, construction, or refinance – up to 90% financing available

Equipment Acquisition – up to 80% financing available

Loan Structures Financing available on projects up to $12,000,000.

  1. Flourish Commercial Capital typically provides a first mortgage of up to 50% of the total loan-to-value. This loan can range from $100,000 to $3,000,000.

  2. The SBA, through a Community Development Company (CDC) provides up to 40% loan-to-value in a second lien position. This loan can range from $100,000 to $5,000,000.

Terms and Interest Rates First Mortgage – up to 25-year term for real-estate loan and up to 15-year term for equipment purchase with fixed and variable interest rates available.

Second Mortgage – up to 20-year term for real-estate and up to 15-year term for equipment purchase. Fixed rate is determined at SBA guaranteed 504 debenture sale.

Fees First Mortgage – fees are always market competitive.

Second Mortgage – 2.75% + legal review fee. This fee is financed in the loan.Fees also include customary closing costs, construction loan fees (if applicable), and bridge fees.

Eligible Properties

Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by the borrower.