Find the Lowest Rates
and Best Terms for SBA Loans

Leverage Our Network of Top SBA Lenders and Do More for Your Business

Our network of the U.S. Small Business Administration’s top 100 “SBA Lenders” provides you access to various SBA loan programs at the best possible rate and terms. SBA loans allow you to borrower money for almost any business purpose, including funding the acquisition of an existing business, purchasing real estate, adding working capital, purchasing inventory or equipment, and refinancing other debts.

Loan Amount

$500,000 – $5,000,000

Loan Term

5-25 Years

Interest Rates

As Low as 4.50%


As little as 3 weeks

SBA Loan Types

SBA 7(a) Loans

The most popular type of SBA loan, 7(a) loans (up to $5M) can be used to purchase or expand an existing business, acquire real estate plus construction costs, refinance debt, or purchase machinery, equipment, furniture, fixtures, supplies and materials.

CDC / SBA 504 Loans

These flexible loans are designed for a small to mid-sized business looking for capital up to $5M. Funds can be allocated to inventory purchases, acquisition of an existing business, equipment, restructuring debt and many other uses.

SBA CAPLines Lines of Credit

SBA CAPLines are revolving lines of credit up to $5M and are designed to help businesses meet its short-term working capital needs. These funds can be used to fulfill customer contracts, consolidate short-term debt, and meet seasonal capital requirements.

Get The Best Rates and Terms for Your SBA Loan

We advise, structure, and build your loan package and then shop to over 50 Preferred SBA Lenders to get you the best terms available.

How Do SBA Loans Work?

Small Business Administration (“SBA”) loans can be one of the most affordable and accessible ways for small business owners to acquire or grow their business. Cent Banc helps small business clients successfully secure SBA loans at the best possible rates and terms by utilizing our extensive network of Top Preferred SBA Lenders across the country.

While the SBA doesn’t actually make direct loans to business owners or entrepreneurs, it provides a guarantee to banks and lenders on the money they lend. The SBA’s guarantee protects the lenders by promising to pay a percentage of the loan back to the lender if the business doesn’t perform and the owner defaults on the loan. In essence, small business owners that apply for SBA loans are actually applying for business or commercial loans through a bank or Preferred SBA Lender, which are then underwritten and structured per the SBA’s guidelines.

SBA loans represent an opportunity for business owners and entrepreneurs who might not normally qualify for traditional bank loans because the Small Business Administration essentially mitigates a portion of the risk lenders take to lend money. Therefore, entrepreneurs that are considering acquiring a business, or existing small business owners looking to grow have greater access to lending opportunities.

SBA loans usually require extensive paperwork and can have many nuances, but we do the heavy lifting by helping you build an attractive loan request package in order to maximize the success rate of funding your SBA loan.

SBA Loan Fundamentals

So, why does the Small Business Administration exist? Good question and why we need to spend a few moments to delve into how the SBA helps entrepreneurs with business growth. As you most likely know, most jobs in America are still allocated to small businesses. Even though it seems like big corporations are taking over, small business employment has them beat… and by a considerable amount. The US Government is deeply vested in making certain that small businesses succeed and hire more people. That means big tax revenue and GDP growth. Since 1953, the SBA mission is to accomplish just that, growth.

To create larger businesses, a firm almost always will require additional capital. SBA resolves that issue by guaranteeing 75-85% of the lenders loan providing that they follow SBA underwriting guidelines. This translates to easier qualifications, better rates and longer payback period. The tradeoff is a bit more detailed paperwork trail. Worth it? You decide but we think so.
Through our vast Investment Banking network, Cent Banc has access to multiple lending structures to meet most firm’s needs. The best way to determine where your company fits in getting capital is to contact us. Fill in the quick questionnaire so that we can prepare for our conversation.

How Are SBA Loans Different Than Conventional Bank Loans?

The SBA itself does not originate loans, but rather, they simply guarantee a portion of the loan that the bank, credit union, or other financial institution is making. This ‘SBA guarantee’ is the biggest difference between a conventional business loan and an SBA loan. For loans up to $150,000, the SBA will at most guarantee 85% and 75% for loans over $150,000. However, the SBA limits guarantees to $3.75 million.

How does an SBA guarantee benefit the borrower? To start, it greatly reduces the risk for lenders and encourages them to make loans to businesses that they would otherwise not lend to. This allows lenders to be more flexible while underwriting a business or individual’s liquidity, collateral, or cash flow. Since there’s less risk involved for the bank, this usually correlates to lower interest rates and longer repayment terms, which eases the overall debt obligation to the borrower and allows for better cash flow.

However, the SBA is a federal agency that still has rigid guidelines that both borrowers and lenders must follow. While navigating SBA requirements and finding a lender with the most favorable terms can be cumbersome, Cent Banc has long-standing relationships with the nation’s top SBA lenders and makes the loan process as easy and stress free as possible.

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