75% of SBA 7(a) loans fund working capital, equipment, or real estate purchases, making them the backbone of sustainable growth for established businesses that need patient capital and predictable payments.
SBA loans
River Road businesses use SBA loans because the program accommodates both service operators along the Santa Clara corridor and light industrial tenants near the airport who need capital that stretches ten to twenty-five years. The 7(a) program covers acquisition, renovation, equipment upgrades, and cash-flow stabilization without forcing a refinance every five years.
A River Road auto-repair shop looking to buy its bay and add a second lift, or a distribution tenant consolidating debt and adding inventory, will find that SBA terms align with the slower payback cycles typical of capital-intensive trades. Myrtle Advances walks you through eligibility, collateral documentation, and lender selection so nothing stalls in underwriting.
SBA loans
Myrtle Advances brokers SBA loans by analyzing your balance sheet, projecting cash flow against the proposed use of funds, and identifying which SBA-preferred lenders will move fastest on your industry and collateral mix. We prepare the narrative, organize tax returns and interim financials, and coordinate with your accountant so the package tells a complete story.
Because we are brokers, not lenders, we compare multiple institutions and advocate for terms that fit your actual operating cycle. Our office is six minutes south on Country Club Road, and we schedule in-person reviews when documents need a second set of eyes.
A family-owned HVAC contractor near the River Road Shopping Center wanted to purchase two service vans and refinance a high-rate equipment note. We brokered an SBA 7(a) loan that bundled both needs into a single ten-year amortization, lowering the monthly outflow and freeing up cash for seasonal hiring. The contractor kept the same banking relationship and avoided a second lien on the building.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
