Types of Financing
SBA Loan Program
We work with SBA lenders who are Preferred Financial Service companies to have loans processed more quickly and efficiently than many others.
There are a number of advantages to an SBA loan, including longer terms, no points and no balloon payments.
Who is Eligible for an SBA Loan?
Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.
Loan Qualifications
- Retail and service businesses in business for at least 2 years
- Wholesale businesses with employees up to 100 regardless of sales volume
- Manufacturers with employees up to 500 depending on the industry, regardless of sales volume
- SBA 7(A) Loan Size $150,000 to $5.0 million
Use of Proceeds
- Commercial real estate (purchases, construction, or refinance)
- Leasehold improvements
- Business expansions
- Machinery, equipment, furniture or fixtures
- Business acquisition
- Working capital (offered in conjunction with some of the above)
- Start-ups (ALL Franchises, Motels, Restaurants Gas Stations and C-Stores)
Other Credit Considerations
- Business must have adequate historic cash flow to cover the proposed debt
- Business debt to net worth must meet industry averages
- Borrowers must be actively involved in the day-to-day operation of the business
- Satisfactory personal credit histories are required for all principles and guarantors
- No past bankruptcies or felony arrests
Let’s Talk About Your Business Goals
Our funding experts are here to help. Let’s explore the best options for your business.
No matter your industry, credit situation, or funding goals, Threo Capital is committed to helping you move forward with confidence. From your first conversation with our team, you’ll experience a personalized approach that prioritizes clarity, speed, and support.
Get the capital you need — without the red tape. Let’s build something great together.