SBA
Lending
The right terms and costs for growing business.
Advantages
Available to companies with low credit scores.
Interest rates are capped by the SBA.
Low down payments.
Variable and fixed-rate loan options.
What is SBA Lending?
Small businesses in the United States often turn to the Small Business Association to get the funding they need. Loans are available via private lenders who’ve partnered with the SBA to provide capped-rate financing to businesses that grow their local economies.
If you’ve had trouble finding funding in the past, the SBA could be the answer you seek. Since lenders often view small businesses as “risky” many are reluctant to loan to them. But the SBA works as a type of guarantor on loans to mitigate that risk for lenders, making them more inclined to approve a loan. The SBA caps interest rates on these loans to keep them affordable.
SBA loans can help your business cover real estate, construction, land development, equipment, and working capital expenses. To find the lenders with the best rates and learn how to apply, contact our team to get started.
How to Effectively Apply Funds
SBA 7a and 504 loans can help your business manage a broad range of financial needs. Both loans can be used to buy real estate, fund new construction, bring in equipment, or refinance. Only the SBA 7a allows borrowers working capital funds. These loans are often the last opportunity for small business financing. In fact, one criterion to be approved is evidence that your business has exhausted its available opportunities for funding.
To qualify for an SBA loan, you’ll need to meet a few requirements. Your business needs to operate for-profit in the United States. The net annual revenue limit is $5M and the net worth limit is $15M. There is also a limit on the number of employees working for your business. Certain types of businesses are not eligible. Let’s evaluate if this option is right for you.
Financing Options
Real Estate
The SBA can help your business fund real estate for a 10, 20, or 25-year term. Interest rates are fixed and loans require a 10% minimum down payment. Get $20M or more to buy, renovate, or expand real estate property. Fees can be financed with the loan.
Construction
Ready to build your next warehouse, office, or workspace? SBA loans can help you get there with fixed or variable-rate options. 10% minimum down payment required on a construction plus 25-year maximum term. Loans can be combined to serve multiple purposes.
Equipment
Buy new equipment for your business with an SBA 504 or 7a loan. Terms are 10 years with a fixed or variable interest rate. SBA loans are free from most fees like processing, brokerage, and origination fees, so you save money over other lenders.
Pre-Apply
A little information helps us start the positioning process for your loan.
Frequently asked questions
Q. Is it hard to get an SBA loan?
Qualifying for an SBA loan can be more challenging than getting a loan from other types of lenders. The Administration has several requirements that must be met to be eligible for funding. However, SBA loans offer a chance for businesses that have been turned down by other lenders to get funding.
Q. How do I qualify for an SBA loan?
Qualifications for SBA loans vary by the type of loan, the amount of the loan, and the lender. To qualify, your business must meet size, income, and location requirements as well as be an eligible “type” of business. Casinos, church organizations, non-profits, and rare stamp dealers are ineligible.
Q. What is a CDC and why do I need one?
CDC stands for Certified Development Company. You’ll need a CDC if you’re seeking an SBA 504 loan. CDCs are non-profit corporations that act locally to contribute to their communities by meeting established development goals.
Q. When is an SBA loan not a good fit?
SBA loans are helpful for small businesses that have had trouble finding funding in the past. However, applications do have to meet rigorous requirements and can take a while to process. If you’re eligible for other private loans, and can’t afford to wait, we will help you pursue alternative funding options.
The your firm Advantage
We are networked with entrepreneurial lending markets, matched to the pace of startups and growth-oriented businesses.
Let us help you reach your financial goals today with Healthcare Financing.
Industry growth takes critical and creative thinking from every front. Windismodis can become part of your innovation network, thinking creatively to plan and source financing throughout your growth cycle.
Windismodis is a member of Greater North Fulton Chamber, Advanced Technology Development Center and Women's Chamber of Commerce.
Get in touch.
Healthcare Financing Solutions
For both medical enterprises and private equity sponsors immersed in the healthcare sector, Windismodis Capital offers tailored products and expertise to cater to their distinct needs. Despite differing perspectives, our commitment remains unwaveringly focused on achieving success for our clients.
Navigating the nuances of healthcare finance—from short-term liquidity concerns to long-term strategic planning—can be challenging. Many healthcare providers contend with cash flow volatility stemming from delayed patient payments and sluggish Medicare/insurance reimbursements, often exacerbated by regulatory changes. Windismodis Capital's Treasury and Payment services offer streamlined liquidity management solutions, while our customizable credit facilities provide vital support during cash flow gaps.
For sponsors with a broader strategic outlook, optimizing processes, managing risk, and unlocking maximum value are paramount. Our innovative financing solutions facilitate organic growth initiatives and facilitate seamless merger and acquisition endeavors.
What Sets Us Apart
At Windismodis Capital, we pride ourselves on offering a diverse range of financing platforms tailored to the healthcare industry's unique requirements. With deep-rooted relationships within the healthcare landscape and private equity circles, we possess a nuanced understanding of our clients' specific challenges, allowing us to craft flexible lending solutions tailored to their needs. We collaborate closely with clients on strategic initiatives and target acquisitions, leveraging our annual conference to foster valuable connections with investors and industry leaders.
Our Expertise Spans Multiple Sectors
Windismodis Capital's team of seasoned healthcare lending professionals specializes in various sectors, including:
- Services: Home health, hospice, dialysis
- Facilities: Hospitals, long-term care, behavioral health, medical office buildings
- Physician practices and outpatient services: ASC, hospital services, dental, dermatology, anesthesia
- Medical products/devices
- Pharmaceutical products and services
- Healthcare information technology
Comprehensive Financing Solutions
Our suite of products and services includes:
- Cash flow loans for buyouts, acquisitions, refinancings, and recapitalizations
- Arrangement and syndication of multi-lender facilities
- Asset-based loans
- Real estate financing
- Working capital lines of credit
- Medical equipment financing
Whether you're seeking to stabilize cash flow, pursue strategic growth initiatives, or navigate complex acquisitions, Windismodis Capital stands ready to provide tailored healthcare financing solutions that align with your objectives. With our deep industry expertise and collaborative approach, we empower clients to achieve their long-term financial goals in the ever-evolving healthcare landscape.
For both medical enterprises and private equity sponsors immersed in the healthcare sector, Windismodis Capital offers tailored products and expertise to cater to their distinct needs. Despite differing perspectives, our commitment remains unwaveringly focused on achieving success for our clients.
Navigating the nuances of healthcare finance—from short-term liquidity concerns to long-term strategic planning—can be challenging. Many healthcare providers contend with cash flow volatility stemming from delayed patient payments and sluggish Medicare/insurance reimbursements, often exacerbated by regulatory changes. Windismodis Capital's Treasury and Payment services offer streamlined liquidity management solutions, while our customizable credit facilities provide vital support during cash flow gaps.
For sponsors with a broader strategic outlook, optimizing processes, managing risk, and unlocking maximum value are paramount. Our innovative financing solutions facilitate organic growth initiatives and facilitate seamless merger and acquisition endeavors.
What Sets Us Apart
At Windismodis Capital, we pride ourselves on offering a diverse range of financing platforms tailored to the healthcare industry's unique requirements. With deep-rooted relationships within the healthcare landscape and private equity circles, we possess a nuanced understanding of our clients' specific challenges, allowing us to craft flexible lending solutions tailored to their needs. We collaborate closely with clients on strategic initiatives and target acquisitions, leveraging our annual conference to foster valuable connections with investors and industry leaders.
Our Expertise Spans Multiple Sectors
Windismodis Capital's team of seasoned healthcare lending professionals specializes in various sectors, including:
- Services: Home health, hospice, dialysis
- Facilities: Hospitals, long-term care, behavioral health, medical office buildings
- Physician practices and outpatient services: ASC, hospital services, dental, dermatology, anesthesia
- Medical products/devices
- Pharmaceutical products and services
- Healthcare information technology
Comprehensive Financing Solutions
Our suite of products and services includes:
- Cash flow loans for buyouts, acquisitions, refinancings, and recapitalizations
- Arrangement and syndication of multi-lender facilities
- Asset-based loans
- Real estate financing
- Working capital lines of credit
- Medical equipment financing
Whether you're seeking to stabilize cash flow, pursue strategic growth initiatives, or navigate complex acquisitions, Windismodis Capital stands ready to provide tailored healthcare financing solutions that align with your objectives. With our deep industry expertise and collaborative approach, we empower clients to achieve their long-term financial goals in the ever-evolving healthcare landscape.