SBA Startup Loans: Turn Your Dream Into a Reality

Join the ranks of successful entrepreneurs we’ve helped obtain SBA startup loans to start a new business.

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SBA Startup Loan Features

SBA loans offer a guarantee from the federal government of 75% - 90% of the loan amount, making banks more comfortable lending and easier for under-collateralized businesses to get the funding they need.

Loans Up to $5M

Obtain funding from $100k to $5 million, ensuring your new startup has sufficient capital to launch successfully.

Extended Repayment Terms

Loan terms range from 10 to 25 years, offering you low payments to support your business's cash flow effectively.

Preserve Liquidity

Start your business with a minimum equity injection of 10%, which can be sourced from a family gift.

Buy Commercial Real Estate

You have the option of either leasing space or purchasing commercial real estate for your new business.

Business Startup Loans: The Spartan Advantage

Preserve Equity and Control

Unlike venture capital or equity financing, our SBA business startup loans allow you to maintain full ownership and control over your business decisions.

Boost Business Growth

SBA startup loans enable you to invest in inventory, equipment, marketing, and other essential growth drivers, accelerating your business's success.

Support Job Creation

By securing an SBA startup loan, you contribute to job creation and strengthen your community through local economic growth.

Pre-Requisites for SBA Startup Loan

  • Minimum FICO Score
    640 Experian model v2
  • Use of Funds
    Working Capital, Inventory, Equipment, Renovation, Leasehold Improvements, Commercial Real Estate (owner-occupied)
  • Notes
    The guarantor(s) must have transferrable experience. Strong business plan (preferrably professionally written) and projections are needed. If the guarantor(s) have real estate with at least 25% equity to pledge as collateral, it will strengthen the likelihood of approval
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Pre-Requisites for SBA FastTrack® Loan

What Sets Us Apart

  • Pre-Qualification Assistance
    Our team of experts assess your eligibility for an SBA startup loan before you begin the application process and guide you to a successful closing.
  • Loan Documentation Support
    We assist you in preparing and submitting all the necessary documentation required for your SBA startup loan application, minimizing errors and delays.
  • Industry-Specific Expertise
    We have extensive experience across various industries, enabling us to provide specialized guidance and support tailored to your business type.
  • Our Team of SBA Bankers
    Started by former SBA bankers, Spartan understands all aspects of SBA lending. We’re your advocate, and we get it right the first time.

Trusted Lending Partner

As a trusted SBA lending partner, we understand the importance of providing reliable and accessible financing options to small businesses. Our commitment to helping entrepreneurs succeed is reflected in our comprehensive suite of SBA loan products and services.

Our experienced team of SBA lending specialists is dedicated to assisting small business owners throughout the loan application and approval process. We work closely with each borrower to tailor loan packages that meet their specific needs, from startup capital to expansion financing.

With over 100 years of combined SBA lending experience, our team will be your advocate and guide you to a successful loan funding.

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