SBA Loan Programs

Professional flyers for SBA 7(a), SBA 504, and SBA One-Close Construction financing

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SBA 7(a) Loan Program

The Most Popular & Flexible SBA Loan

Up to $5 Million

SBA 7(a) loans are the most versatile financing option for small businesses. Perfect for purchasing equipment, real estate, or covering working capital needs.

📊 Loan Terms

Interest Rate

Prime + 2.25% - 2.75%

Loan Term

Up to 25 years

Down Payment

As low as 10%

✅ Key Benefits

  • ✓Working capital for daily operations
  • ✓Equipment purchases & real estate acquisition
  • ✓Refinancing existing business debt
  • ✓Business expansion & renovations
  • ✓Flexible use of funds
  • ✓Up to 25-year terms

🚀 Application Process

  1. 1Submit financial documents & business plan
  2. 2SBA approval & underwriting review
  3. 3Close and receive funds in 45-60 days

Ready to Get Started?

Contact Pacific Rate today for a free consultation

📞 (630) 332-9115

📧 support@pacificrate.com

🌐 www.PacificRate.com

Pacific Rate | NMLS #329956 | Licensed Mortgage Broker

🏗️

SBA 504 Loan Program

Fixed-Rate Financing for Real Estate & Equipment

Up to $15 Million

SBA 504 loans provide long-term, fixed-rate financing for major assets like real estate and equipment. Ideal for owner-occupied commercial properties.

📊 Loan Terms

Interest Rate

May be below 7% (subject to qualification)

Loan Term

20-25 years

Down Payment

As low as 10%

✅ Key Benefits

  • ✓Fixed-rate financing for 20-25 years
  • ✓Purchase commercial real estate
  • ✓Finance heavy equipment & machinery
  • ✓Build or renovate facilities
  • ✓Low down payment (10%)
  • ✓Long-term rate protection

🚀 Application Process

  1. 1Apply with Pacific Rate & CDC partner
  2. 2Property appraisal & environmental review
  3. 3Close in 60-90 days with fixed rates

Ready to Get Started?

Contact Pacific Rate today for a free consultation

📞 (630) 332-9115

📧 support@pacificrate.com

🌐 www.PacificRate.com

Pacific Rate | NMLS #329956 | Licensed Mortgage Broker

🏗️

SBA One-Close Construction Financing

Land Acquisition • Development • Construction — One Closing

Up to $5.5 Million

Replace the traditional three-closing process (land loan, construction loan, permanent refinance) with one streamlined closing. Perfect for owner-occupied commercial real estate projects nationwide.

📊 Loan Terms

Interest Rate

Blended rates (may be below 7%)

Loan Term

Up to 25 years

Down Payment

As low as 10%

✅ Key Benefits

  • ✓One close instead of three separate closings
  • ✓Land acquisition, development, and construction in one loan
  • ✓Construction-to-permanent SBA financing
  • ✓Up to 90% financing (subject to SBA guidelines)
  • ✓Long-term amortization up to 25 years
  • ✓Blended rate structures that may be below 7%

🚀 Application Process

  1. 1Submit business plan & project details
  2. 2SBA approval & construction monitoring
  3. 3Automatic conversion to permanent financing

Ready to Get Started?

Contact Pacific Rate today for a free consultation

📞 (630) 332-9115

📧 support@pacificrate.com

🌐 www.PacificRate.com

Pacific Rate | NMLS #329956 | Licensed Mortgage Broker

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