We offer an array of asset based lending (ABL) and financing solutions.
SBA financing provides qualified businesses with access to affordable, long-term capital for acquisitions, commercial real estate, equipment purchases, debt refinancing, and business expansion. Backed in part by the U.S. Small Business Administration, these programs are designed to improve cash flow with longer repayment terms and competitive financing. Capital Desk works with a nationwide network of SBA lenders to help businesses identify and secure the financing solution that best supports their growth objectives.
Select an SBA program below to explore your options.
The SBA 7(a) program is the SBA’s most flexible financing solution, supporting acquisitions, new business buildouts, working capital, equipment purchases, debt refinancing, partner buyouts, and established business expansion. Because the SBA guarantees a portion of each loan, lenders can often provide longer repayment terms and lower equity requirements than conventional commercial financing.
If you’re looking for one financing solution that can adapt to a wide variety of business needs, SBA 7(a) is often the first place to start.
The SBA 504 program is designed for businesses purchasing owner-occupied commercial real estate or major equipment. With long repayment terms and competitive fixed-rate financing, companies can preserve working capital while investing in the facilities and equipment needed for long-term growth.
Whether you’re buying your first headquarters, expanding operations, or constructing a new facility, SBA 504 financing provides a cost-effective path to ownership.
The Small Business Investment Company (SBIC) program is different from traditional SBA lending. Rather than financing through banks, SBIC funds provide institutional debt and equity capital to established lower middle market companies pursuing acquisitions, recapitalizations, and strategic growth initiatives.
For businesses that have outgrown traditional SBA loans but aren’t yet ready for large private credit transactions, SBIC financing can bridge the gap with flexible growth capital.
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.
SBA financing refers to business loans and investment programs supported by the U.S. Small Business Administration. Rather than lending directly in most cases, the SBA guarantees a portion of qualifying loans made by approved lenders, allowing businesses to access longer repayment terms and more flexible financing than many conventional commercial loans.
Eligibility depends on several factors, including your business size, industry, intended use of proceeds, financial performance, and the specific SBA program being considered. While every lender has its own underwriting guidelines, SBA financing is generally intended for for-profit U.S. businesses that demonstrate the ability to repay the loan.
Depending on the program, SBA financing can be used to acquire a business, purchase owner-occupied commercial real estate, refinance existing debt, finance equipment, provide working capital, fund partner buyouts, or support business expansion. The appropriate program depends on your financing objectives and the type of transaction.
The SBA 7(a) program offers flexible financing for a wide variety of business purposes, including acquisitions, working capital, and refinancing. SBA 504 financing is designed primarily for owner-occupied commercial real estate and major equipment purchases. The SBIC program provides institutional debt and equity capital for larger, established businesses pursuing acquisitions or long-term growth initiatives.
Maximum financing amounts vary by program, lender, and transaction structure. While many SBA loans support financing up to $5M for SBA7(a) and $5M for 504, for a combined of $10M, not everyone qualifies. The loan size ultimately depends on your business’s financial profile, collateral, cash flow, and intended use of proceeds. For SBIC funds, deal sizes can be as high as $50M.
Closing timelines vary depending on the complexity of the transaction, the lender, and how quickly financial information is provided. Straightforward transactions may close within several weeks, while larger acquisitions or commercial real estate transactions typically require additional underwriting and due diligence.
For qualified borrowers, SBA financing often provides longer repayment terms, lower monthly payments, and reduced equity requirements compared to conventional commercial financing. These benefits can improve cash flow and allow businesses to invest in growth while preserving working capital.
Capital Desk works with a nationwide network of SBA lenders to identify the financing solution that best aligns with your business objectives. Rather than relying on a single lending institution, we help structure your transaction, present it to the appropriate financing partners, and guide you through the financing process from application through closing.