SBA
At a glance
- Typical qualifications and documentation vary by lender and program rules.
- Property type, occupancy, and credit profile matter.
- We’ll confirm eligibility and next steps during a call.
Basic qualifications (typical)
- Business financials and cash flow are key.
- Eligibility depends on SBA program type and business profile.
- Collateral and owner guarantee requirements vary.
Property types that may work
- Owner‑occupied commercial real estate (often)
- Eligible business acquisitions/expansions (program dependent)
Typical documentation checklist
- Business tax returns and financial statements
- Personal tax returns and personal financial statement
- Business debt schedule
- Entity documents (articles, operating agreement)
- Purchase contract/LOI and property details (if applicable)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Timelines can be longer than residential loans.
- SBA rules and lender overlays apply.
- We can help you prepare the documentation package to reduce delays.
Questions? Call (530) 238-5739 or email [email protected].