Financing Designed for Business Reality
SBA financing combines extended terms, structured underwriting standards, and government guarantees that reduce lender risk and increase borrower access to capital. With proper preparation, these programs can support sustainable business expansion and real estate ownership.
Commercial Real Estate Loans
Owning your business property can strengthen long term financial stability. SBA programs allow eligible businesses to acquire owner occupied commercial real estate with structured repayment terms and lower down payment requirements compared to many conventional loans.
Rekota Capital helps evaluate property eligibility, occupancy requirements, and borrower qualifications before connecting you with participating lenders. We prepare documentation, review financials, and ensure the transaction aligns with SBA underwriting standards so the process moves forward efficiently.
SBA 7(a) & 504 Loans
The SBA 7(a) program is designed for flexibility. It can be used for real estate purchases, business acquisitions, working capital, equipment, and debt refinancing. The structure allows lenders to extend longer repayment terms while maintaining risk protection through the SBA guarantee.
The SBA 504 program is focused primarily on fixed assets such as commercial real estate and large equipment purchases. It is structured with a partnership between a private lender and a Certified Development Company, offering stable terms and predictable repayment.
Rekota Capital works with borrowers to determine which program fits their objectives, financial profile, and capital needs before approaching lenders. Proper program selection is critical to a smooth approval process.
Business Acquisition & Expansion
SBA financing can support the purchase of an existing business or provide capital for expansion. These transactions require careful review of historical financials, cash flow projections, and management experience.
We assist in analyzing business performance, structuring the transaction, and preparing required documentation. By aligning the request with SBA standards early, we help reduce delays during underwriting and improve approval outcomes.
Alternatives. If SBA loans isn’t what you’re looking for, try:
Working Capital
Bridge Loans
To Qualify
01
Fill out our contact form and tell us about yourself and your business plans. It’s straightforward so we can help you move forward quickly.
02
Work with one of our professional brokers and explore the financial options that fit your needs and goals.
03
Once you choose a financial option, we will kickstart the loan application. We’ll help you navigate the process so that it’s easy for you.