Small Busness Loans
Integra Commercial Lending is a nationally recognized company helping entrepreneurs achieve their business goals. We have been designated as
SBA Loan Programs
Who is Eligible for an SBA Loan?
Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.
The SBA has a number of programs. Your project will determine which program is the best fit for you. We have funders who participate in SBA 7 (A) and SBA 504 loan programs.
USDA Business & Industry Guaranteed Loans
Who is Eligible for a USDA B&I loan?
Most for-profit and not-for-profit businesses; individuals, public bodies and federally recognized tribal organizations engaged in or proposing to engage in a business that will:
- Provide employment.
- Improve the economic or environmental climate.
- Promote the conservation, development and use of water for aquaculture.
- Reduce reliance on nonrenewable energy resources by encouraging the development and construction of solar energy systems and other renewable energy systems.
There are other requirements based on citizenship and geography. Funds must be used in a manner consistent with the general purposes contained in the regulations.
Commercial Hard Money
Purchase or Refinance an income producing property.
Owners & Entrepreneurs with less than perfect credit.
Purchase or Refinance on Commercial Property.
Other Credit Considerations
Business must have adequate historic cash flow to cover the proposed debt.
Business debt to net worth must meet industry averages.
Borrowers must be actively involved in the day-to-day operation of the business.
Satisfactory personal credit histories are required for all principles and guarantors.