At Alliance Capital, we are able to make every option possible available to you. That allows us to find the lending solution that makes the most sense for your situation.

This is a common concern. While there is a process and paperwork that needs to be completed for an SBA loan, our team is here to make the process as smooth as possible.

All loans, whether SBA or not, have fees attached to them. One advantage of the SBA loan is the fees are almost always rolled into the loan instead of being required out-of-pocket.

Compared with traditional loans, SBA loan interest rates are usually about the same and even better in many cases. Unlike other sources of financing in which a lender can charge whatever legal rate they see fit, the SBA has guidelines for the maximum interest rate that can be charged to a borrower.

Every situation is different. That's why it is important to have the right ALLIANCE. Our team uses their experience and creativity to help get your loan approved and closed. 

While your personal credit will play a role in the rates and terms offered to you, other factors are considered in your application. If your business has good financial history and the loan otherwise makes sense, an adequate explanation for a low personal credit score may be all that is needed.

Not at all! While the program is great for these types of businesses, most of our requests are for borrowers that may otherwise be eligible for traditional bank financing, except for the terms. An SBA loan can have rates fixed for the life of the loan, terms out to 25 years, and up to 90% financing in some cases. These terms are not typically available through conventional channels, it just makes good sense!

While you will hear many people talking about the OUTRAGEOUS government fees for obtaining one of these loans, it is not the case at all. All loans, whether SBA or not, are going to have fees attached to them. However, on a traditional bank loan these fees are usually above and beyond the 15% to 20% down payment conventional loans may require and they are coming out of your pocket. With the SBA they are almost always rolled into the loan which means all the benefits of the SBA for a few extra dollars per month.

It is possible, however, if there are sufficient business assets to secure the loan, personal assets will not have to be pledged.

Absolutely! Business Acquisitions are a huge part of what we do on a daily basis.