Small Business Loan

Give Your Business a Boost with an SBA Loan

If you run a small business, you may have found that securing financing can be challenging. Many traditional lenders are seemingly unwilling to extend business loans to anyone who actually needs one. To help solve this problem, the Small Business Administration works with lenders like Kai Capital Inc to offer better loans for small and new companies.

Get up to $5 Million in Funding

Under the 504 and 7a programs, you can receive up to $5 million in financing with a low interest rate and highly competitive terms. These loans are fully amortized with no balloon payments at the end. Plus, you will never have to pay a penalty for repaying the loan early. You can choose between fixed or variable rates depending on the loan you choose. Plus, you can receive up to 90% financing with a term of up to 25 years.

Real Estate Projects

One of the most common uses for this type of small business loan is real estate. You can purchase, renovate or refinance owner-occupied properties such as the following:

  • Automotive services facilities
  • Healthcare practices
  • Hotels
  • Motels
  • Veterinary practices
  • Childcare facilities
  • Offices
  • Single-purpose buildings
  • Nonconforming properties

Equipment Purchases

Alternatively, you can use an SBA loan to help with the cost of your equipment. These are some examples of the types of equipment you could finance:

  • Machine tools
  • Vehicles
  • Trucking supplies
  • Diagnostic equipment
  • Production machinery
  • Laundry equipment
  • Printing machinery
  • Heavy equipment
  • Medical equipment

Business Acquisitions and Buy-Outs

You can also use a Small Business Administration loan to help with a business acquisition. These loans have slightly different terms with up to 80% financing and terms up to 15 years. Like the other loan types, these are fully amortized with no ballooning and no prepayment penalties. We make approval decisions based on the business cash flow and management.

Get Started

Contact Kai Capital Inc today to get started with an SBA loan. We will provide a free consultation when you call.