Are Yow a Business Owner?

We have Great News: We have Partnered with the largest SBA loan originator in the country

  • We Work with businesses in all 50 states and the territories
  • We Offer SBA 7a, 504, and USDA from $1 million to $20 million
  • Conventional revolving lines of credit up to $10MM
  • Pari Passu SBA combination financing for acquisitions and partner buyouts
  • 100% real estate purchase financing for existing businesses expansion
  • Great Competitive terms with variable and fixed rates
  • Business must have 2 years of operation and provide 2 years financials

Visit our FAQ’s page for more information about SBA Loans

Financing is available from $500,000 up to $20 million and can be used for

  • Commercial property purchases with as little as 10% down payment
  • Expand your Business
  • Business Acquisitions
  • Working Capital can be part of the Term Loan
  • Debt Refinance & partner Buyouts
  • Construction
  • Buy Inventory
  • Buy Equipment
  • Buy a Hotel
  • Buy a Self Storage
  • Buy an Assisted Living Facility
  • Any Property that occupies 51% of the building or more
  • Most Other business needs 

SBA 7(a)

7(a) Loans $5 million 85% guaranty for loans of $150,000 or less; 75% guaranty for loans greater than $150,000 (up to $3.75 million maximum guaranty) Term Loan. Expansion/ renovation; new construc- tion, purchase land or buildings; purchase equipment, fixtures, lease-hold improvements; working capital; refinance debt for compelling rea- sons; seasonal line of credit, inventory or starting a business Depends on ability to repay. Generally, working capital & machinery & equipment (not to exceed life of equipment) is 5-10 years; real estate is 25 years. Loans less than 7 years: $0 - $25,000 Prime + 4.25% $25,001 - $50,000 P + 3.25% Over $50,000 Prime + 2.25% Loans 7 years or longer: 0 - $25,000 Prime + 4.75% $25,001 - $50,000 P + 3.75% Over $50,000 Prime + 2.75% Fixed Rate: Click: News & Rates (No SBA guaranty fees on loans of $150,000 or less approved in FY 2017.) Fee charged on guaran- tied portion of loan only. $150,001-$700,000 = 3.0%; $700,001- $1,000,000 = 3.5%; plus 3.75% on guaranty portion over $1 million, 12 months or less .25% Ongoing fee of 0.546%. Must be a for-profit business & meet SBA size standards; show good character, credit, management, and ability to repay. Must be an eligible type of business. Prepayment penalty for loans with maturities of 15 years or more if prepaid during first 3 years. (5% year 1, 3% year 2 and 1% year 3) Long-term financing; Improved cash flow; Fixed maturity; No balloons; No prepayment penalty (under 15 years) Business Acquisition-Real Estate Purchase-Debdt Refinance-Construction-Renovation- There is a 10% Equity Injection Required on 7(a) Loans
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SBA 504

504 Loans Provided through Certified Development Companies (CDCs) which are licensed by SBA 504 CDC maximum amount ranges from $5 million to $5.5 million, depending on type of business or project. Project costs financed as follows: CDC: up to 40% Lender: 50% (Non- guaranteed) Equity: 10% plus additional 5% if new business and/ or 5% if special use property. Long-term, fixed-asset loans; Lender (non- guaranteed) financing secured by first lien on project assets. CDC loan provided from SBA 100% guaranteed debenture sold to investors at fixed rate secured by 2nd lien. CDC Loan: 10- or 20-year term fixed interest rate. Lender Loan: Unguaranteed financing may have a shorter term. May be fixed or adjustable interest rate Fixed rate on SBA Grow (504) Loan established when the debenture backing loan is sold. Declining prepayment penalty for 1/2 of term. SBA guaranty fee on debenture is 0.0%. A participation fee of 0.5% is on lender share, plus CDC may charge up to 1.5% on their share. CDC charges a monthly servic- ing fee of 0.625%-2.0% on unpaid balance. Ongoing guaranty fee is 0.697% of principal outstanding. Ongoing fee % doesn’t change during term. Alternative Size Standard: For-profit businesses that do not exceed $15 million in tangible net worth, and do not have an average two full fiscal year net income over $5 million. Owner Occupied 51% for existing or 60% for new con- struction. Low down payment - equity (10,15 or 20 percent) (The equity contribution may be borrowed as long as it is not from an SBA loan) Fees can be financed; SBA /CDC Portion: Long-term fixed rate Full amortization and No balloons
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Non-7(a) Loans Microloans

Non-7(a) Loans Microloans Loans through nonprofit lending organizations; $50,000 Not applicable Working capital, supplies, machinery & equipment, fixtures; etc. Intermediary may chose to refinance debt. Cannot be used for real estate. Shortest term possible, not to exceed 6 years Negotiable with intermediary. Subject to either 7.75 or 8.5% above intermediary cost of funds. No guaranty fee Same as 7(a) Direct loans from nonprofit intermediary lenders; Fixed-rate financing; Very small loan amounts; Technical assistance available
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SBA 7(a) Small Loans

(7a)Small Loans Is any 7a loan $350,000 and under, except the Community Advantage and Express loans $350,000 Same as 7(a) Loans Same as 7(a) Loans Same as 7(a) Loans Same as 7(a) Loans Same as 7(a) Loans Same as 7(a) Loans Plus, all loan applications will be credit scored by SBA . If not an acceptable score, the loan can be submitted via full standard 7(a) or Express. Same as 7(a) Loans
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504 Loan Refinancing Program

504 Loan Refinancing Program (Permanent) Provided through Certified Development Companies (CDCs) which are licensed by SBA Same as 504 (see SBA Policy Notice 5000-1382 dated 05/26/2016 for complete program information) Loan to Value (LTV) Qualified and Secured Debt 90%. For projects that include “Business Operating Expens- es (BOE)” the LTV is 85%. BOE may not exceed 15% of the fixed asset. At least 85% of the pro- ceeds of the loan(s) to be refinanced had to be originally used for eligible fixed assets. May include the financing of eligible business ex- penses as part of the refinancing. Same as 504 Same as 504 Same as 504 except, Ongoing guaranty fee is 0.731% of principal outstanding. Loan(s) to be refinanced can’t be subject to a guaranty by a Federal agency, can’t be a Third Party Loan which is part of an existing SBA 504 project and must have been current on all payments for the past 12 months. Both the business and loan(s) to be refinanced must be at least 2 years old. Business can access equity in their commercial real estate for business operating expenses or refinance prop- erty on reasonable terms. Fees can be financed; SBA /CDC Portion: Long-term fixed rate Full amortization and No Ballons.
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SBA Veterans Advantage

SBA Veterans Advantage Max Loan Amount: Processed under SBA Express $350,000 — Processed under SBA 7(a) Loans $5 million Process of Guaranty: Same as SBAExpress - Same as 7(a) Loans Use of Proceeds: Same as SBAExpress - Same as 7(a) Loans Maturity: Same as SBAExpress - Same as 7(a) Loans MAximum Interest Rates: Same as SBAExpress - Same as SBA 7(a) Loans Guatanty Feed: No guaranty fee. Ongoing fee of 0.546% - Same as 7(a) Loans Except guaranty fee for non SBAExpress loans up to $500,000 will be re- duced by 50%. Ongoing fee of 0.546% Who Qualifies: Same as 7(a) Plus, small business must be owned and controlled (51%+) by one or more of the following groups: veteran, active-duty military in TAP, reservist or National Guard member or a spouse of any of these groups, or a widowed spouse of a service member or veteran who died during service, or a service- connected disability. Bennefits to Borrowers Same as SBAExpress No guaranty fee — Same as 7(a) Loans but with a reduced Guaranty fee.
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Export Express

Export Express $500,000 90% guaranty for loans of $350,000 or less; 75% guaranty for loans greater than $350,000 Same as SBAExpress plus standby letters of credit Same as SBAExpress Same as SBAExpress Same as 7(a) Loans Applicant must demonstrate that loan will enable them to enter a new, or expand in an existing export market. Business must have been in operation for at least 12 months (though not necessari- ly in exporting). Fast turnaround; Streamlined process; Easy-to-use line of credit Loan can be for direct or indirect exporting.
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Export Working Capital Program

Export Working Capital Program $5 million 90% guaranty (up to $4.5 million maximum guaranty) Short-term, working- capital loans for export- ers. May be transaction based or asset-based. Can also support standby letters of credit Generally one year or less, may go up to 3 years No SBA maximum interest rate cap, but SBA monitors for reasonableness Same as 7(a) Loans Same as 7(a) Loans Plus, need short-term working capital for direct or indirect exporting. Additional working capital to increase export sales without disrupting domestic financing and business plan
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SBA Express Offers

SBAExpress $350,000 50% May be used for revolving lines of credit (up to 7 year maturity) or for a term loan [same as 7(a)]. Up to 7 years for Revolving Lines of Credit including term out period. Other- wise, same as 7(a). Loans $50,000 or less; prime+ 6.5% Loans over $50,000; prime + 4.5% Same as 7(a) Loans Same as 7(a) Loans Fast turnaround; Streamlined process; Easy-to-use line of credit
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International Trade

International Trade $5 million 90% guaranty (up to $4.5 million maximum guaranty) (Up to $4 million maximum guaranty for working capital ) Term loan for permanent working capital, equip- ment, facilities, land and buildings and debt refinance related to international trade Up to 25 years. Same as 7(a) Loans Same as 7(a) Loans Same as 7(a) Loans Plus, engaged or preparing to engage in international trade or adversely affected by competition from imports. Long term financing to allow small business to compete more effectively in the inter- national marketplace
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Community Advantage

Community Advantage Mission-focused lenders only. Expires 03/31/2020 $250,000 Same as 7(a) Loans Same as 7(a) Loans Same as 7(a) Loans Prime plus 6% Same as 7(a) Loans Same as 7(a) Loans Small Loans Same as 7(a) Plus lenders must be CDFIs, CDCs, micro-lender or SBA Intermediary Lenders target- ing underserved market.
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For more information about SBA loans visit our FAQ’s page

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Learn more about Hard Money Loans


By attending this website any visitor is hereby expressing and/or accepting: 

This is not a commitment or offer to lend, buy or sell any securities. This website is for informational purposes only.  Interest Rates, Fees, and other important or minor details are subject to change based on market conditions, due diligence, and input by underwriting. If your project is approved, a formal loan commitment will be issued. Time frames for each portion of the process vary due to market conditions and other factors like third parties. By visiting this website, the visitors hereby agree on behalf of the visitor’s company / business entity along with sponsors, co-sponsors, officers, and/or investors, to hold harmless Hard Money Capital Group, LLC’s investors, employees, officers, and/or third party subcontractors in the closing of any transactions. Third party reports are ordered at on a cost plus review basis. Hard Money Capital Group, LLC  can not guarantee nor influence values, or other specific important and/or minor conclusions, along with the time frames to complete third party reports. Some projects require a project feasibility, and may or may not require traffic studies or other individual reports as required by specific subject property locations and market conditions. Hard Money Capital Group, LLC  does not pay for third party reports, third party reports are billed via invoice that must be paid at presentation by the investor. Time is of the essence, and even though Hard Money Capital Group, LLC works tirelessly to maintain quick closing times, there are factors outside of the control of Hard Money Capital Group, LLC , along with other conditions, that do not always allow the projected time frames to be maintained.  Brokers and, or referral sources are protected, thus Hard Money Capital Group, LLC  honors Broker Invoices or Referral Fee Agreements that are submitted in writing. Hard Money Capital Group, LLC  only accepts new client files from brokers, if you have a further transaction, please see your introducing representative. Hard Money Capital Group, LLC uses a private source of capital, therefore your information will not be shared with the general public on any marketing information. 

Hard Money Capital Group, LLC  is a limited liability company out of the State of Texas. Hard Money Capital Group, LLC  indirectly provides funds and also brokers requests that cannot be funded in house. Hard Money Capital Group, LLC  does not operate in any state or local area whereas the laws of that state or local are prohibit cost effective operations. Hard Money Capital Group, LLC  is a private company, not open for the public. Hard Money Capital Group, LLC does its best to analyze and review all proposed transactions, but cannot possibly analyze, review, and take interest in all transactions that are presented. Rates, Fees, and other minor or important details are subject to change with or without notice. No warranties are granted, nor should be implied. 

Hard Money Capital Group, LLC  is a redeveloper company that buys and sells properties from Homeowners, real estate investors and entities that are associated with the real estate business. Hard Money Capital Group, LLC  offers Hard Money loans to investors nationwide by brokering with banks & direct lenders nationwide.

This page is intended to be used as an outline for discussion purposes only and relies upon, amongst other things, the accuracy of  the information entered by the applicant. All loan requests are subject to a full underwriting and due diligence review upon the submission of a complete loan file from the applicant, and the proposed terms and conditions may change based on the results of this review. Nothing herein represents a commitment, agreement, or obligation from Hard Money Capital Group, LLC to lend money under these or any other terms.

 The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.