SBA Loan: Qualifying and Applying -

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SBA Loan: Qualifying and Applying

SBA Loan: Qualifying and Applying

According to federal government research, small businesses provide about 75% of the net new jobs added to America's economy. They also employ fully one?half of America's private sector workforce. In addition, 99.7% of all employers in the U.S. are small business owners. These statistics make a strong case for the existence of a federal organization dedicated to the promotion and proliferation of small businesses in this country.

In 1953 the United States government established the Small Business Administration (SBA) as a way of assisting entrepreneurs in forming successful small businesses through government guaranteed loans. While the SBA itself doesn't make many small-business loans, its primary function is to guarantee the small-business loans made by private lenders.

Most SBA loans are secured through any one of the SBA's many licensed partners nationwide. Besides establishing lending guidelines for their partners, the SBA also ensures reasonable loan terms by guaranteeing major portions of the loan in the event of a borrower default. Because of the decreased liability provided by the SBA, the lender is able to offer better interest rates and options to businesses in the early stages of development.

Before we get too excited about the potential benefits of an SBA loan, it may be a good idea to first talk about who can potentially qualify. The size of your company obviously plays a large role in securing an SBA loan; after all, this is about 'small business'.

If you run a manufacturing company, its possible to have up to 1,500 employees working for you and still qualify for an SBA loan. On the other hand, depending on the type of manufacturing you do, it may be more likely that you'll be limited to 500 employees in order to qualify for loan consideration.

For some industries, the SBA lender may look at your company's average revenue. For example, if you run a wholesale or retail business, your average annual sales for the past three years cannot exceed $6 million to $29 million, depending on the type of business you own. Construction companies need to fall into the $12 million to $28.5 million range. Basically, if you make too much, you're considered too 'big' to need an SBA loan. It's also very important that you're running an independently owned for-profit organization if you are considering SBA loans.

If you still qualify keep reading.

When beginning the SBA loan application process, your lender will require you to have some specific information ready. The first document you'll need is your business profile; this simply describes the type of business you run, your annual sales revenue, the number of people you currently employ, and how long you've been in business. You will also need to provide a loan request. This is a description of how money you need and how you plan to spend it. As with any loan, you will need to provide collateral. Be prepared to explain how you plan to secure the loan.

The most important information you will need to provide is the business's financial statements for the past three years. These include: balance statement, income statement, and the statement of cash flows. As the owner of the business, you will need to provide not only your personal financial statements, but also the financial statements of any other individuals that hold 20% or more equity in the company. Most lenders will also ask for personal tax returns for the last three years.

In the next portion of this article, 'SBA Loan: Options, Benefits, and Lenders', we will further examine what kinds of loan options are available, and for what kinds of businesses they are most advantageous. Lastly, we will discuss different types of SBA lenders.

Cameron Brown is an internet marketer specializing in ranking automation. For information on how an SBA Loan can benefit you, visit Security National Capital

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/united-community-banks-inc-announces/story.aspx%3Fguid%3D%257BCDA9BC39-C8F1-40D2-8E9F-B9E5B815C4A9%257D%26dist%3Dhpprcid=1254747656ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNHXXFFUBNKLRLLssscl-Adfe-l6nQUnited Community Banks, Inc. Announces Increase in Provision and b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr23 hours ago/nobr/fontbrfont size=-1announced today that it has increased its allowance for bloan/b losses to 1.91 percent of total bloans/b due to continued credit deterioration in the residential b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ajc.com/business/content/business/stories/2008/10/06/united_community_bank.htmlcid=1254747656ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNFJN9HTpdtjlU5sIiHsz17w52OqiwUnited Community Banks reports $40M loss/a font size=-1 color=#6f6f6fnobrAtlanta Journal Constitution/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/bondsNews/idUSBNG11230620081006cid=1254747656ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNF0hIC5XExD6lZ8wlVJX5vk13XbbQUPDATE 1-United Community Banks sees big Q3 loss/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rttnews.com/Content/BreakingNews.aspx%3FNode%3DB1%26Id%3D731694%2520%26Category%3DBreaking%2520Newscid=1254747656ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNFRRurKc4kA1aB_K-QBKlKiyAoW3QUnited Community expects loss in Q3 on higher bloan/b loss provisions b.../b/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.knoxnews.com/knx/draft/2008/10/united_community_ups_loan_loss.htmlcid=1254747656ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNFZiXUVnxS0fm4nqd_T_eelFUDXsAnobrKnoxville News Sentinel/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rttnews.com/Content/QuickFacts.aspx%3FNode%3DB1%26Id%3D731612%2520%26Category%3DQuick%2520Factscid=1254747656ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNGzbipyB-N8iqbHeg1Pq_uu5usy6QnobrRTT News/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254747656hl=ennobrall 28 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://afp.google.com/article/ALeqM5gpOyFfO1BuEfJO32QL4JhXkZETEgcid=1254968676ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNEzbqUguxcFXgchXtuU7lilEmP-jwimg src=http://news.google.com/news?imgefp=03EZT5ChK_EJimgurl=afp.google.com/media/ALeqM5ieaDNRigEemghgyX4MnhpUjIxfkw width=80 height=53 alt= border=1brfont size=-2AFP/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/07/hub_firms_may_bid_for_bad_loanscid=1254968676ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNGMgRU-y0mloQt7QrmjcA5sEPcBKgHub firms may bid for bad bloans/b/abrfont size=-1font color=#6f6f6fBoston Globe,nbsp;United Statesnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1The bailout plan, signed into law on Friday, aims at getting bad bloans/b off company balance sheets to stabilize the US economy and unfreeze credit markets. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaUdjX0YcGdrY%26refer%3Dhomecid=1254968676ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNHAYgMZFcdHn07HmPZim3fxxlw6wgBank Writeoffs May Rise, Bond Spreads Fall on TARP (Update3)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.housingwire.com/2008/10/06/look-whos-hiring-treasury-seeks-asset-managers/cid=1254968676ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNGadQfJWjjOWmmnX6gY2Xxe4vo-owLook Who’s Hiring: Treasury Seeks Asset Managers/a font size=-1 color=#6f6f6fnobrHousing Wire/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://freeinternetpress.com/story.php%3Fsid%3D18523cid=1254968676ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNFw1zVH-1_wa_zs2JDLD3yzWHGPXgAnalysis: Wall Street Bailout Path A Maze Of Unknowns/a font size=-1 color=#6f6f6fnobrFree Internet Press/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hawaiireporter.com/story.aspx%3Fff6f72d4-9c5c-450f-a89e-cd03ef3f63ddcid=1254968676ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNGhApzdZ3QkWS7FZ80tFfBg8Qg9KAnobrHawaii Reporter/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kansas.com/205/story/552865.htmlcid=1254968676ei=qBzrSKitDYLg6APo8fSACQusg=AFQjCNFHyc3GtWep8Ua3auBxceKhJCsxywnobrThe Wichita Eagle/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254968676hl=ennobrall 571 news articles/nobr/a/font/div/font/td/tr/table

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