Start new business or expand your business with loans guaranteed by the U.S. Small Business Administration. IFDC Capital Group can offer following SBA loans for your business.
At low rates and longer repayment terms, get business financing that you need to purchase a business or operate your businesses.
Innovate Financing Solutions For
Small Business With SBA Loans
Get the financing to buy a business, refinance debt, buyout a partner, purchase commercial real estate, finance ground-up construction, purchase equipment, get working capital and more.
SBA Loan Products
• SBA Loans
- SBA 7(a)
- SBA Working Capital
- SBA 504
- Construction
- Partner Buyout
- Business Acquisition
- Owner owned (at least 51%) Commercial Real Estate
• Specialty Business Loans
- Debt Refinance
- Asset Based Lending
- USDA B&I
- Equipment Financing
- Renewable Energy Financing
Affordable Business Financing
Affordable Business Financing
Since 7(a) loans are backed by the Small Business Administration (SBA), lenders are able to provide lower interest rates and longer repayment terms compared to other business financing options.
Because you pay less in monthly interest with an SBA 7(a) loan, you have the cash flow to successfully operate and grow your business.
- Rates as low as prime +2.75%
- Up to 90% loan-to-value
- Up to $5 million loan under SBA 7(a) and up to $15 million loan under SBA 504
- Terms of up to 25 years
- No balloon payments
You can purchase an existing business or start a new business or expand your business with as low as 10% down only, we will provide you up to 90% financing under SBA loans.
Get SBA 7(a) Financing for Your Industry
Hundreds of industries are eligible for SBA 7(a) financing. Below are just some of the industries that we can finance.
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- Retail, Manufacturing and Wholesale
- Assisted Living and Skilled Nursing Facilities
- Restaurants, Bakery
- Gas Station/C-Store
- Childcare/Daycare
- Hotel / Motel Acquisition, Rehab and New Construction
- Self Storage
- Commercial Real Estate
SBA 504 LOAN FEATURES
Get Long Terms Fixed Rates SBA 504 Loans for Commercial Real Estate, Hotel, Motel, Manufacturing and Equipment Financing
The SBA 504 loan is designed to finance long-term fixed assets like commercial real estate, hotel, motel, manufacturing and equipment. You can use a SBA 504 loan to purchase and renovate an existing building, buy land and finance ground-up construction, purchase new equipment, or pay off debt incurred from these purchases.
- Long-term fixed rates
- Up to 90% loan-to-value
- Can fund projects up to $15 million
- Terms up to 20 years
- No balloon payments
SBA 504 LOAN USES
Affordable Financing for Commercial Real Estate, Hotel, Motel, Equipment and Construction
SBA 504 loans are great for purchasing commercial real estate, hotel, motel, equipment and financing larger construction projects.
- Purchase undeveloped property
- Finance ground-up construction
- Buy and upgrade existing non-specialized buildings
- Purchase equipment with a service life of 10+ years
- Refinance conventional debt
SBA CONSTRUCTION LOANS
Break ground and build your business with a fast, affordable SBA construction loan
CONSTRUCTION FINANCING FEATURES
We Can Helps You to Stay on Schedule and in Budget
Whether you’re adding a new location, or just looking for a bigger place to operate, partner with a lender who will custom fit the loan to meet your needs.
At IFDC, you’ll work with our in-house construction department who will be there from start to finish. You can rely on our construction financing experience to avoid delays and surprises. We help make sure your construction project is done right: on schedule and in budget.
Our SBA Construction and USDA B&I loans are perfect for those looking to start construction on a new location. With flexible payment terms and affordable interest rates, we structure each loan with your business in mind. Plus, each loan is approved in-house, which means less waiting and a faster start to your build.
- Up to 90% loan-to-value
- Up to $5M under SBA 7(a), up to $10M with USDA, up to $15M under SBA 504
- Terms of up to 25 years
- No balloon payments
- No upfront fees—appraisals won’t be ordered until loan is approved
- No prepayment penalty
USES OF SBA CONSTRUCTION FINANCING
Custom-Built Financing for Your Commercial Construction Project
We build our commercial construction financing to custom-fit your project scope and needs. It isn’t uncommon for us to finance construction projects with a blend of SBA, USDA and conventional funds. Our constructions loans are also popularly used as high-leverage bridge loans. Some of the most common uses for our construction loans include:
- Purchasing or leasing new equipment
- Purchasing or renovating a commercial real estate, hotel and motel properties
- Hiring workers for construction projects
- Meeting payroll or covering other day to day operating expenses
- Placing a bid on a large project
- Starting a new construction business or expanding an existing one
ELIGIBLE BUILDINGS FOR SBA CONSTRUCTION FINANCING
- Commercial Real Estate
- Hotel, Motel, Resort
- Retail Store, Shopping Mall
- Restaurant
- Small Manufacturing Industry
- Renewable Energy
- Warehouse
- Office Building
- Medical Office
Minimum 51% of the property must be occupied and operate by the borrower
SBA Working Capital Loans
Get working capital to maintain and grow your business
Get the Cash You Need to Grow your Business with IFDC Working Capital Loan
Is your business growing but you don’t have the cash flow to keep up with demand? Our IFDC working capital loan was designed to help growing businesses get the working capital they need—fast. You can pre-qualify for financing in as little as 24 hours.
We approve loan applications in-house, which accelerates your time to funding. On top of an easy application and quick approval times, you also get lower rates and longer repayment terms than with conventional loans.
Our express loan gives business owners the working capital they need to buy inventory, equipment, pay salary, hire staff and more.
SBA Equipment Financing
Upgrade Your Equipment and Still Have Cash to Grow
As one of the top equipment finance companies, we specialize in providing affordable equipment loans and leases to businesses in construction, manufacturing, transportation and logistics, healthcare, agriculture, food services, technology and IT, energy and renewable resources, retail, and professional services.
With equipment financing from IFDC, you get the critical equipment you need to generate more revenue, cut labor costs and scale your business. Our low rates and flexible terms allow you to invest in the equipment you need without restricting cash flow.
- Up to 100% LTV. 0 Down equipment financing available for qualified borrowers
- SBA 7(a) loan up to $5M, SBA 504 loan up to $15M
- Low rates and flexible terms
- Fast approvals, transparent process
TYPES OF INDUSTRIES WE FINANCE
At IFDC Capital Group, we proudly serve a diverse range of industries, providing tailored equipment financing solutions to meet their specific needs. Our expertise extends to the following sectors:
- Manufacturing
- Construction
- Transportation and Logistics
- Healthcare
- Dental
- Food Services
- Technology and IT
- Contractors
- Retail
- Professional Services