SBA Debt Refinancing Loans.
An SBA loan can be used to refinance existing business debt, consolidate high-interest loans, and lower your monthly payments. Most borrowers save 2% per year on their interest rate when refinancing with an SBA loan — the savings are huge over the life of the loan. With rates as low as 6.75%, an SBA refinance can dramatically lower your monthly payments. SBA loans combine favorable terms with flexible repayment periods of up to 25 years. Please note: Merchant Cash Advances (MCAs) cannot be refinanced through the SBA program. Ready to reduce your debt payments and improve your cash flow? Let’s make it happen!
- SBA loans up to $5M
- Low 10% down payment or even lower with seller notes*
- Competitive rates starting at Prime + 0.5% (8%)
- Perfect for buying an existing business
We Make Small Business Loans Easier, Faster, And Affordable.
Experience fast, hassle-free funding tailored to your business needs with our efficient four-step process.
SBA Debt Refinancing Loan Highlights.
Refinance your existing business debt with an SBA loan and save 2% per year on your interest rate — with rates as low as 6.75%. Lower your monthly payments, consolidate multiple loans, and free up cash flow for growth. Note: Merchant Cash Advances (MCAs) are not eligible for SBA refinancing.
- Perfect for new Debt Refinancings & debt consolidations
- SBA loans up to $5M or larger parri passu options
- Low 10% down payment or even lower with seller notes*
- Competitive rates starting at 8%
- Fast and streamlined process
- Done for you business plans & financial projections
SBA Debt Refinancing Loan Requirements.
To qualify for our SBA Debt Refinancing Loan, your business should meet the following requirements:
- At least 3 years of business operations
- Minimum annual profit of $200,000/year
- Minimum Debt Service Coverage Ratio (DSCR) of 1.25x
- Minimum credit score of 680
- All business and personal debts must be up-to-date
- No bankruptcies
- Relevant industry management experience preferred
SBA Debt Refinancing Loan Documents.
- Current loan statements and payoff amounts for debts being refinanced
- 3 years of business tax returns
- 3 years of personal tax returns
- Interim profit & loss and balance sheet
- Business bank statements for the last 3 months
- Business bank statements for the last 3 months
- AP (Accounts Payable) & AR (Accounts Payable) reports
Get funded at the best Rate & Terms.
Take advantage of our extensive network of 100+ funding partners. We understand the underwriting criteria and lending preferences of each bank. When lenders compete for your business, you win, save time and get better rates.
- Simple, hassle-free application
- Get funded at the best term & rate
- Get matched with the right lender
- Get multiple loan offers fast
- Special volume discounts not available to public
100% Free SBA Loan Service.
We are a 100% free success based SBA loan consultant that can help you find the best lender for your deal. We get paid by the SBA lender after closing, not by you the borrower.
- All your questions answered
- Get your loan package ready
- Get matched with the right lender
- Expert SBA loan help
- Get funded at the best terms and rate
- Fast and streamlined process
- 100% free service to borrowers
Best Rate & Terms Guaranteed.
When Lenders Compete, You Win!
Join the thousands of businesses that trust us with their SBA financing needs. Leave the heavy lifting to us, you’re in good hands.
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We'd love to hear from you.
At least three years of operating history and a minimum of $250K revenue is required. Have questions? We are only a call or email away.
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