Growth | August 2011 | By John Morell

SBA Loans to the Rescue?

Small Business Administration loans can help quick-serve operators get the financing they need to open a new store, but the process isn’t easy.

Most businesses can’t get off the ground without a little financial help, a fact that is especially true in the quick-serve industry. Opening a quick serve, be it through buying a franchise or starting a new concept, requires cold hard cash, meaning any entrepreneur who intends to be a player in the industry has to become friendly with a bank or a broker.

But for those who are new to the process—or for those looking to go through the process again—one of the first terms they’ll likely hear is SBA. That’s especially true after President Obama signed the Small Business Act in September.

The Small Business Administration was formed in 1953 to assist the startup and growth of small enterprises that were taking off in the post-war period with loans and grants. Countless businesses have received a hand from the agency over the years, and when the Small Business Act was signed, operators were given access to even higher loan amounts in an effort to jumpstart business growth.

But misperceptions abound regarding what exactly the SBA does.

“When I’m talking to a prospective business owner, he or she often has no idea about how SBA programs work,” says Denise Beeson, a business loan consultant based in Santa Rosa, California. “There’s always been this misperception out there that the SBA directly loans businesses money, which is far from what it does.”

Instead, the SBA provides a varying percentage of loan guarantees for banks that lend under the agency’s guidelines, which theoretically makes it easier for the bank to loan capital for a startup or expansion.

There are two programs that cover the bulk of SBA-guaranteed loans: 504 and 7(a). A 504 loan is designated for construction and real estate improvements, as well as machinery and equipment; it can go up to $5 million with a 20-year term and has a fixed interest rate. Loans from the 7(a) category go for up to $5 million and can be used for the same purposes as money from a 504 loan, as well as for working capital and lines of credit.

The bank processes and analyzes an application, then, if it clears the loan officer’s desk, it’s sent to the SBA, which must give its OK. Should the borrower default on an approved loan, the SBA repays the bank 75–90 percent of the loan amount.

“For the bank, it’s a win-win,” Beeson says. “They get a solid borrower, and if he happens to default, they get their money back.”

For the borrower, an SBA loan can be had for as little as zero down if there’s substantial collateral or equity in the business, and for up to 40 percent for startups. Rates are typically prime plus 3 percent, as well as loan fees of 1–2 percent.

“It’s really the best lending program available for franchises,” says Dan Rowe, president of Fransmart, an Alexandria, Virginia–based consulting firm. “If you can get in, it’s a great deal.”

Of course, “getting in” can be a big roadblock, especially in these days of tighter credit. “I consider myself extremely fortunate,” says Tom Jones, co-owner with his sister of four Cousins Subs franchises in the Milwaukee area, who used SBA loans to finance his stores. “For my first store, I borrowed a little from family and then put 10 percent down. It was a very smooth, easy process. When we bought our third and fourth stores, we were able to show that we were profitable and we didn’t have to put anything down; in fact, we received an extra 10 percent for working capital.”

After credit tightened in 2009, Jones attempted to gain financing for a fifth store. “The requirements were much different,” he says. “Even though we had proven success, they wanted to see us put 40 percent down, which didn’t work for us, at least not at that time.”

An SBA loan can be had for as little as zero down if there’s substantial collateral or equity in the business, and for up to 40 percent for startups.

While the SBA guarantee is supposed to induce banks to lend, the criteria they use have toughened up. Credit reports, both personal and business, are scrutinized for loan worthiness, and a thorough check of the business’ books or a business plan for startups will be examined for the operator’s ability to make payments.

One key hold-up for many people seeking SBA help is the requirement for collateral. “You’re expected to keep something substantial on the table,” Beeson says. “In the past with startups, people often put up the equity in their real estate as collateral. Now, however, as much of that equity has vanished, their options are severely limited.”

Also at issue are credit reports, as many operators struggle with business and personal credit issues that have plagued them during the Great Recession.

“Quite a few successful business people have had to handle late payments or even bankruptcies during this period that have affected their borrowing ability today,” says Don Johnson, president of Diamond Financial, a business loan broker in West Keansburg, New Jersey.

Finally, character also plays a role in whether or not the bank writes an operator a check. “They’re going to want to know not just your business acumen, but what kind of person you are,“ Beeson says. “Do you have any felonies? DUIs? Are there any judgments or lawsuits against you? These obviously hurt your chances.”

Often, businesses in the food and hospitality industries also have a few more hoops to jump through in order to qualify. “Some banks just do not like food businesses, even those backed by strong national franchises,” Beeson says. “It’s a tough industry, and they want to make sure you’re going to turn a profit and pay on your loan.”

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Comments

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Thanks you Barclays Loan service for your help.

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Interested applicants should Contact us via email: {[email protected] or [email protected]} or Tel: (347) 708-8926

So we await to hear from you soon.
Thanks for your cooperation
George Clydesdale...

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Hello everyone my name is Michelle, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to SIR VICTOR LOAN COMPANY . He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email{[email protected]}. He told me he will offer me the loan that i only need to comply with them. I did as he told me and without any delay,i received my loan as he earlier promised. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet SIR VICTOR LOAN COMPANY through his email {[email protected]}. He is a registered reliable loan lender.

Hello everyone my name is Michelle, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to SIR VICTOR LOAN COMPANY . He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email{[email protected]}. He told me he will offer me the loan that i only need to comply with them. I did as he told me and without any delay,i received my loan as he earlier promised. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet SIR VICTOR LOAN COMPANY through his email {[email protected]}. He is a registered reliable loan lender.

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Hello
I am Mrs Jason paula A private loan lender
Are you looking for a business loan, personal loans,
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NAME:................
AGE:.................
SEX:...................
MARITAL STATUS:....................
CONTACT PHONE NUMBER:................
ADDRESS:......................
CITY:...................
STATE:....................
COUNTRY:...................
ZIP CODE:.....................
OCCUPATION:.......................
MONTHLY INCOME:....................
AMOUNT NEEDED:......................
FULL BANK DETAILS:....................
WHEN NEEDED:.........................
PURPOSE OF LOAN:........................
BANKRUPT OR NOT:..........................
REPAYMENT DURATION:.......................
EMAIL...............................

Kindly Email us today, to get your Quick, Guaranteed, and Easy Loan
Await your Quick Response

Regards,
Mrs Jason Paula

DO YOU NEED A LOAN?

Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: [email protected]

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My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers and i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( [email protected] ) or reach him through this number +1 (406) 946-0675 thanks

APPLY FOR A QUICK LOAN TODAY:

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For further details, contact directly with your business plans or reason for requesting for a loan as an individual through email at [email protected].

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Attention !!! Loan Offer

i am Mr Rashide Abdulahi a private loan lender. we are given out all kinds of loan, we give out loans at a low interest rate of 3% and good working conditions, if you need a loan for business or to pay off your bills then you are advised to contact us for we render quality services that will make you satisfied. email: [email protected]

LOAN SERVICES AVAILABLE INCLUDE:
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Attention !!! Loan Offer

i am Mr paul berry a private loan lender. we are given out all kinds of loan, we give out loans at a low interest rate of 2% and good working conditions, if you need a loan for business or to pay off your bills then you are advised to contact us for we render quality services that will make you satisfied. email: [email protected]

LOAN SERVICES AVAILABLE INCLUDE:
================================
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans .
*Construction loans.
*Business Loans And many More:

we render all kinds of loan in good services, contact us via email: [email protected]
Thanks
Mr paul berry

Best Place To Get Your Financial Problem Solved ([email protected])

My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers and i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( [email protected] ) or reach him through this number +1 (406) 946-0675 thanks

Hello everyone,

I am Guy Robin Lamura by name, am writing this Testimony because am really grateful for what James Morris did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time. my credit score is cool now. so if you are out there looking for a loan of any amount i would advise you to email the legit loan company via email: { [email protected]} and be free of internet scams. thanks… Robin Lamura from California, USA.

E_mail: [email protected]

Apply for a quick and affordable loan with Barry Jones Finance Company. [email protected]
Are you in need of a loan, or have you been turn down by your bank before, this is the opportunity you are looking for. We offer all kinds of loan like business loan, car loan, company loan, venture capital, home loan, student loan or any loan of your choice at 2% interest rate. Interested persons should contact us at This email address: [email protected]

hello Everybody,

My name is Lillian Garland. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could

change my Life and that of my family, i will refer any person that is looking for loan to Them.
She gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a single parents with

3 kids I meant this honest and GOD fearing loan lender online Mrs herlinda that helped me with a loan of $250,000.00 U.S.

Dollar, She is indeed GOD fearing Lady, working with a reputable loan company.

If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Lillian

referred you to them.

contact via E_mail: [email protected]

God bless everyone that cares to listen and take the right part in getting his or her loan and not fall victim. why am I

saying this, I am saying all this because there are many testimonies on the internet which are either true or false but

I tell you today, after all I have passed through in the hands of scams I will not fail to announce this God fearing

lender who helped me out of my diverstating condition when I lost my Job and couldn't pay my children's fees, after been

denied loan due to bad credit by loan sharks and other credit unions I visited, my bills where behind and we were about

to be throne out of our house but as God will have it I logged on my Facebook to seek for help from friends and family

members all to none avail. while still on Facebook I saw a testimony by one Celina who once had similar problems and got her life transformed by this same lender. and then I prayed about it and I Immediately emailed

them at:[email protected] and behold I received my long desired loan within 48hrs of processing and I am

grateful to God almighty for bringing such a lender across my way. TEL+1)904-513-0194

MY TESTIMONY FROM A LEGITIMATE MONEY LENDER

Hello Everybody,
My name is Mrs.Irene Query. I live in Philippines and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $150,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of$150,000.00 US. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Irene Query, that refer you to him. contact KELLY WILLIAMS,via email:([email protected]) Thank you.

Ever heard of the popular London Loans and Lending company? This is a loan company that works on an amazing 2.5% interest rates on loans. We give out loans from 10,000 to 300000000. We have a comfortable maximum loan period of 50 years and we operate an open plan calculating on loans. We provide private loans, mortgage loans, car loans, etc.
We are still known around the world for our quick response and fast delivery. Since we established in 2000, we are currently operate in over 4 continents in the world, so wherever you are, we will get you a loan with ease. You need a loan? are
you unemployed and in need for a loan? Do you need a loan for an emergency health condition? Whatever the need for money is, we'll hold hands with you to make and take the burden lighter.

Contact us now via [email protected]

Ever heard of the popular London Loans and Lending company? This is a loan company that works on an amazing 2.5% interest rates on loans. We give out loans from 10,000 to 300000000. We have a comfortable maximum loan period of 50 years and we operate an open plan calculating on loans. We provide private loans, mortgage loans, car loans, etc.
We are still known around the world for our quick response and fast delivery. Since we established in 2000, we are currently operate in over 4 continents in the world, so wherever you are, we will get you a loan with ease. You need a loan? are
you unemployed and in need for a loan? Do you need a loan for an emergency health condition? Whatever the need for money is, we'll hold hands with you to make and take the burden lighter.

Contact us now via [email protected]

Hello everyone,

I am Robin Lamura by name, am writing this Testimony because am really grateful for what James Morris did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time. my credit score is cool now. so if you are out there looking for a loan of any amount i would advise you to email the legit loan company via email: { [email protected]} and be free of internet scams. thanks… Robin Lamura from California, USA.

E_mail: [email protected]

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