Empowering Small Businesses with SBA Loans
Get the capital you need to grow with our SBA loans. We're a trusted SBA lender with years of experience helping small businesses succeed.
$2B+
In SBA Loans Funded
#1
SBA Preferred Lender
5,000+
Businesses Funded
15+
Years of Experience
SBA Loan Programs
The Small Business Administration (SBA) offers government-backed business loans. Because a portion of an SBA loan is guaranteed by the government, these loans allow small business owners to obtain capital with less equity than a conventional loan requires.
SBA 7(a) Loan
The most common SBA loan offering flexibility to entrepreneurs and is a good option for businesses that need working capital, equipment purchases and debt refinancing.
- Up to $5M loan financing is eligible
- Fully amortized - no balloons
- Loan amounts up to $5 million
SBA 504 Loan
SBA loans can be used for buying commercial real estate, financing equipment purchases, and renovating or constructing owner-occupied commercial buildings.
- Low down payment (typically 10% compared to 25%)
- Fixed or floating interest rates available
- Loan amounts up to $5.5 million
SBA Microloans
Designed for startups, newly established businesses, or growing small businesses that need smaller loan amounts for working capital or to purchase inventory, supplies, or equipment.
- Loans up to $50,000
- Shorter repayment terms
- Ideal for startups and new businesses
Why Choose Cornerstone Capital for Your SBA Loan?
As an SBA Preferred Lender, we offer a streamlined application process and expert guidance to help you secure the funding your business needs.
Preferred SBA Lender
As a preferred SBA lender, we have the authority to make final credit decisions, which speeds up the approval process.
Fast Approval Process
Our streamlined process means you can get approved in as little as 48 hours, with funding in as few as 7 days.
Competitive Rates
We offer some of the most competitive rates and terms available for SBA loans in the market.
Dedicated Team
Our team of SBA loan specialists will guide you through every step of the process.
Simple Documentation
We've simplified the paperwork required for SBA loans to make the process easier for you.
No Prepayment Penalties
Pay off your loan early without any prepayment penalties on most of our SBA loan products.
How much do you want to borrow?
Use our calculator to estimate your monthly payments and see how much you could save with an SBA loan.
Benefits of SBA Loans:
- Lower down payments (typically 10%)
- Longer repayment terms (up to 25 years)
- Competitive interest rates
- No balloon payments
Loan Calculator
How to apply for an SBA loan
Our streamlined application process makes it easy to get the funding you need.
Tell us about your business
Complete a short application with basic information about your business.
Get matched with loan options
We'll analyze your application and match you with the best SBA loan options.
Submit your application
Complete your full application with the help of a dedicated loan specialist.
Complete closing
Review and sign your loan documents once your application is approved.
Receive funding
Get your funds deposited directly into your business bank account.
Trusted & Loved
See what our customers are saying about their experience with Cornerstone Capital.
“Cornerstone Capital made the SBA loan process incredibly smooth. Their team was knowledgeable and responsive, helping us secure the funding we needed to expand our business.”
Sarah Johnson
Retail Shop Owner
“After being turned down by three banks, Cornerstone Capital approved our SBA loan in just 10 days. Their expertise in SBA lending made all the difference for our manufacturing business.”
Michael Rodriguez
Manufacturing CEO
“The team at Cornerstone Capital went above and beyond to help us navigate the SBA loan process. They were transparent about costs and timelines, and delivered exactly what they promised.”
Jennifer Lee
Restaurant Owner
Helpful Resources
Learn more about SBA loans and how they can help your business grow.
Exploring the Myths of SBA Lending
Debunking common misconceptions about SBA loans and how they can benefit your business.
Read MoreWhy an SBA Loan Is a Smart Choice for Your Business
Learn about the advantages of SBA loans compared to conventional business financing options.
Read More10 Tips to a Faster SBA Loan Closing
Practical advice to help you navigate the SBA loan process more efficiently and get funded faster.
Read MoreSBA Loan FAQs
Get answers to commonly asked questions about SBA loans.
What are the basic eligibility requirements for an SBA loan?
To qualify for an SBA loan, your business must operate for profit, be engaged in business in the U.S., have reasonable owner equity to invest, and use alternative financial resources first, including personal assets.
Can startups qualify for SBA loans?
Yes, startups can qualify for SBA loans, but they typically need to provide a detailed business plan, demonstrate industry experience, and have good personal credit. SBA Microloans are often a good option for startups.
What credit score do I need for an SBA loan?
While the SBA doesn't set a minimum credit score, most lenders prefer scores of 650 or higher. However, Cornerstone Capital considers the whole picture, not just your credit score.
Ready to grow your business?
Apply now for an SBA loan and get the funding you need to take your business to the next level.
Why apply with Cornerstone Capital:
- Fast approvals and funding
- Competitive rates and terms
- Dedicated SBA loan specialists
- Simplified application process
Start your application
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