SBA 7(a) Loan

Expedite Your Business Dreams with SBA 7(a) Loans

Less Waiting, More Doing – Speedy SBA Loans for Savvy Business Owners

620

Minimum Credit Score

Varies

Maximum Debt To Income

90%

Maximum Loan To Value

$5M

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage is committed to supporting small businesses and entrepreneurs in achieving their goals by offering assistance with SBA 7(a) Loans. These loans are part of a federally-funded program administered by the Small Business Administration (SBA), which provides working capital and other financial support to small businesses that might not qualify for traditional bank loans.

Key Features of SBA 7(a) Loans through Innovative Mortgage:

Loan Purpose: Ideal for business expansion, acquisition, operational expenses, equipment purchase, and debt refinancing.
Loan Amounts: SBA 7(a) Loans can range up to $5 million, offering substantial financial support for qualified businesses.
Flexible Terms: These loans come with favorable repayment terms, often ranging from 7 to 25 years based on the use of proceeds.
Competitive Interest Rates: Offers interest rates that are typically lower than those of conventional loans, making it an economical option for small businesses.

Why Choose Innovative Mortgage for Your SBA 7(a) Loan:

Expert Guidance: Our knowledgeable team will guide you through the application process, ensuring you understand all the requirements and are positioned for a successful loan application.
Access to Multiple Lenders: As a brokerage, we have access to various lenders and can help you navigate the different terms and fees to find the most suitable lender for your needs.
Personalized Service: We understand that every business is unique, and we provide personalized service to address the specific needs and objectives of your enterprise.

Preparing for Your SBA 7(a) Loan Application:

To pursue an SBA 7(a) Loan, you’ll need to prepare the following:

Comprehensive Business Plan: Illustrating your business strategy, market analysis, financial projections, and the purpose of the loan.
Financial Statements: In-depth financial documentation, including profit and loss statements, balance sheets, cash flow projections, and tax returns.
Collateral: Although not always required, collateral may help strengthen your loan application.

Get Started with Your SBA 7(a) Loan Today:

Taking advantage of the SBA 7(a) Loan through Innovative Mortgage can be a strategic move for your business, providing the capital needed for growth and stability.

Reach out to Innovative Mortgage to discuss your SBA 7(a) Loan needs. Let our expertise streamline your loan process, helping you secure the funding you need to thrive in today’s competitive business landscape.

Pros of SBA 7(a) Loans

Rapid Underwriting

Our direct connection to the underwriting systems trims down the waiting time by up to 70%.

Pre-underwriting Assurance

With our technology, we can pre-underwrite your loan and provide you feedback within 2-3 days.

Flexible Use of Funds

SBA 7(a) loans can be used for a variety of business purposes, providing you with flexibility.

Cons of SBA 7(a) Loans

Strict Eligibility

The eligibility criteria for SBA 7(a) loans can be strict, including specific usage of funds.

Detailed Documentation

SBA loans require extensive documentation, but our guidance can make it less daunting.

Key Issues That Will Get Early Attention

Ensure Eligibility

We'll help you meet the eligibility requirements to secure your loan.

Prepare Documentation

Our team will guide you through the documentation process, ensuring your application is complete and accurate.

Streamlined Loan Process

Enjoy a faster, smoother application process with our expeditious underwriting.

Strategize for Success

We'll help you formulate a strategy that aligns with your long-term business goals and improves your chances for approval.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.