Your Trusted SBA 7(a) & 504 Loan Broker in Tucson

Securing the right financing is a critical step in expanding or stabilizing your business. As a trusted SBA 7(a) and 504 loan broker in Tucson, Madera Financial, Inc. helps business owners navigate SBA-backed financing with clarity and confidence. The SBA loan program is designed to make long-term, affordable funding accessible for qualified small businesses, and our role is to simplify the process while aligning each loan with your specific growth goals.

Understanding SBA 7(a) Loans: Flexibility for Your Business Needs

SBA 7(a) loans are one of the most versatile funding options available to small businesses. These loans can be used for a wide range of purposes, including acquiring real estate and equipment, refinancing existing debt, or providing working capital. As an experienced SBA 7(a) and 504 loan broker, we help you understand the specific requirements and guide you through the application process.

Key Benefits of SBA 7(a) Loans:

Large Loan Amounts: SBA 7(a) loans can provide up to $5 million in financing.
Flexible Terms: With repayment periods up to 25 years, SBA 7(a) loans are structured to ease cash flow challenges.
Lower Down Payments: SBA loans often require less upfront capital, making them more accessible to businesses.

Supporting Long-Term Growth

SBA 504 loans are specifically designed for businesses that are looking to purchase or improve real estate and major fixed assets. These loans provide long-term financing options to help business owners acquire land, buildings, and equipment that will support their growth for years to come.

Common Uses for SBA 504 Loan Proceeds:

Real Estate Purchases: Including land, existing buildings, and new construction.
Building Improvements: Such as parking lots, utilities, landscaping, and more.
Equipment Acquisitions: Long-term machinery or equipment that aids in production or business operations.

While SBA 504 loans offer attractive terms, they cannot be used for working capital, inventory, or debt refinancing. These loans are best suited for businesses investing in tangible assets that will enhance their ability to grow and create jobs. As your dedicated SBA 7(a) and 504 loan broker, we provide excellent support for SBA 504 loans, helping you navigate eligibility requirements and maximizing the value of your loan.

How to Qualify for SBA 7(a) & 504 Loans

Both the SBA 7(a) and 504 loan programs have specific eligibility criteria, which businesses must meet to qualify for financing. As an SBA 7(a) and 504 loan broker, we ensure you understand the qualifications and help you prepare a strong application. Some of the key eligibility factors include:

For-Profit Status: The business must operate as a for-profit entity.
Size Standards: The business must meet the SBA’s definition of a small business.
Ability to Repay: You must demonstrate the ability to repay the loan from the projected operating cash flow of the business.
Use of Proceeds: Loan funds must be used for approved business purposes, such as purchasing property, equipment, or working capital (for 7(a) loans).

Each loan program has distinct uses for proceeds and specific requirements that businesses must meet. Working with a knowledgeable SBA 7(a) and 504 loan broker can help you effectively navigate these details.

Rates, Terms, & Fees

Both SBA loan programs offer competitive interest rates and favorable repayment terms, making them attractive options for small business owners.

Interest Rates: SBA loans are generally offered with lower rates compared to traditional financing. The rates are typically based on the prime rate or U.S. Treasury rates, with an additional spread determined by the lender.
Loan Terms: SBA 7(a) loans can have repayment terms of up to 25 years, while SBA 504 loans typically offer terms of 10 or 20 years.
Fees: SBA loans may include fees, such as a guarantee fee, but these fees are usually lower than those found with conventional loans.

Our SBA 7(a) and 504 loan broker will help you understand the complete cost structure of your SBA loan and ensure you receive the best possible terms tailored to your business needs.

Why Partner with Us

As an experienced SBA 7(a) and 504 loan broker, Madera Financial, Inc. works closely with a network of trusted lenders to secure the best financing solutions for your business. Whether you're looking for commercial bridge loans or need advice on SBA loan options, we are here to help. Here’s why businesses trust us:

Guidance from Experts: Our team has in-depth knowledge of SBA loans and can simplify the application process.
Tailored Solutions: We work with you to find financing that aligns with your business goals.
Fast, Efficient Service: We streamline the SBA loan application process to minimize delays and ensure you get funding quickly.

Choosing the right financing solution can shape your business’s future. Whether you’re expanding operations, acquiring property, or investing in essential assets, SBA loans offer powerful opportunities when structured correctly. Let us help you secure the financing you need to take your business to the next level. Contact us today to discuss your loan needs and get the advice you deserve from experts.

Questions? Contact Madera Financial Today to discuss your SBA loan needs

(520)241-0969