Success stories
Three files, start to finish.
Names shortened for privacy, numbers real. We picked these three because each one started as a problem a bank had already said no to.
SBA 7(a) · Georgia
The HVAC contractor whose bank quoted twelve weeks
Marcus runs a 22-person commercial HVAC company outside Atlanta. He had a signed letter of intent to buy a retiring competitor's service contracts and two trucks, with a 45-day close written into the deal. His bank, where he'd kept accounts for nine years, quoted twelve weeks for an SBA loan.
We packaged the acquisition file completely before submission: three years of both companies' financials, the purchase agreement, a debt schedule, and Form 413s, then placed it with an SBA Preferred Lender that closes acquisition deals in his trade. Approved in 19 days, funded in 26. The rate came in a quarter point under the bank's quote.
Equipment financing · Texas
Two reefer trucks before peak season
Dana's food distribution company had the contracts to justify two more refrigerated trucks but not the timeline for a bank process. Peak season started in three weeks. The dealer's captive financing wanted 11.9% and a co-signer.
Equipment files move fast because the trucks themselves secure the loan. She applied Tuesday with bank statements attached, had an approval Wednesday, and the dealer was paid Friday. 8.9%, seven-year term, no co-signer, soft costs (delivery and wrap) folded in.
Government partnership · Ohio
The bakery that qualified for a program nobody had mentioned
Elena's commercial bakery supplies grocery chains across three states. She came to us for a $1.2M term loan to add a second production line, expecting roughly 11%. Intake flagged something better: her county and headcount qualified her for a state manufacturing partnership fund.
The program bought down her rate to 6.9% over ten years in exchange for a one-page annual jobs report. The extra approval layer cost about two weeks against a conventional term loan. Against the rate she expected, it saves her roughly $28,000 a year.
Outcomes shown are individual results, not promises. Your numbers depend on your file.