SBA loans and long-term capital in Utah.
An SBA 7(a) loan is a long-term business loan made by a lender and partly guaranteed by the U.S. Small Business Administration, used for working capital, acquisitions, equipment and real estate. SCS prepares the file and places it with an SBA lender, and also places strategic term loans for operators who need more speed or flexibility.
The capital that defines where a business goes, not just where it is: government-backed SBA loans with terms up to 25 years, and strategic term loans for operators who have outgrown conventional structures.
What are the long-term loan options?
Pick one to jump to the details.
What can an SBA or term loan be used for?
Lower payments, longer terms, and room to grow without short-term pressure.
Buy a business
Acquire a competitor or a business you've had your eye on, with terms that let it pay for itself.
Expand
New locations, equipment and staff, funded ahead of the growth instead of after it.
Own your building
Buy, build or refinance owner-occupied real estate with an SBA 504.
Refinance
Replace expensive or short-term debt with a longer, lower payment.
How do SBA 7(a) loans work?
SBA 7(a) loans offer some of the most favorable terms available to operator-owned businesses: a government-backed guarantee, 10 to 25-year amortization, and rates short-term products can't match.
Buying, building or refinancing owner-occupied real estate? See SBA 504 loans in Utah: as little as 10% down, with a fixed rate on the SBA portion.
Not sure you qualify? Most owners who rule themselves out never had their file reviewed. We look at the whole picture and, if you're not SBA-ready yet, map the path to get there.
- Loan size
- $50,000 to $5,000,000
- Terms
- Up to 10 years for working capital, 25 years for real estate
- Rate
- Generally tied to Prime within SBA limits; we'll walk you through your expected rate once we've reviewed your file
- Close speed
- 30 to 90 days
- Who it fits
- Established operators planning to buy, expand or refinance. We check fit before any lender sees your file.
What is a strategic term loan?
Custom mid-to-long term debt for operators with complex capital needs. Fully unsecured structures with no UCC filing, no EBITDA minimums, and cash-flow-negative companies may qualify.
Strategic term loans fund acquisitions, growth, special situations and consumer-products lines, for operators who have outgrown conventional loans.
- Loan size
- $250,000 to $50,000,000
- Structure
- Fully unsecured options, no UCC filing
- EBITDA minimum
- None; cash-flow-negative companies may qualify
- Covenants
- No financial covenants
- Close speed
- As fast as 3 days for subordinate positions; up to 30 days for a line of credit
What if my business isn't SBA-ready yet?
If your business isn't a fit for SBA today, that is usually a timing question, not a no. Existing advances, a short track record or a recent rough patch each have a path forward. We build the sequence, often starting with Bridge Liquidity or a conventional term loan, and tell you when the SBA window opens.
Carrying a merchant cash advance? Here's how the current SBA rules treat it.
Focus industriesHow long-term capital works for healthcare practices, manufacturers and hotels and hospitality operators.
Common questions about SBA and term loans
What are the terms on an SBA 7(a) loan?
SBA 7(a) loans run from $50,000 to $5,000,000, with terms up to 10 years for working capital and 25 years for real estate.
Rates are generally tied to the Prime Rate within SBA program limits. Once SCS has reviewed your file, we'll walk you through the rate and terms you can expect. Backed by a government guarantee, these are among the most favorable terms available to operator-owned businesses.
How long does an SBA loan take to close?
SBA facilities close in 30 to 90 days.
The timeline is longer than Bridge Liquidity because the underwriting is deeper, which is also why the resulting terms last 10 to 25 years instead of 3 to 18 months.
Do I qualify for an SBA loan?
Lenders look at the whole picture: cash flow, credit, time in business, existing debt and collateral.
Many owners rule themselves out before anyone has looked at their file. A free Capital Assessment shows where you stand today and, if you're not SBA-ready yet, the steps and timeline to get there.
What is a strategic term loan?
A strategic term loan is custom mid-to-long term debt from $250,000 to $50,000,000 for operators with complex capital needs.
Fully unsecured structures are available with no UCC filing, no financial covenants, and no EBITDA minimum.
How fast can a strategic term loan close?
Strategic term structures close in as little as 3 days for subordinate positions and up to 30 days for a line of credit.
They serve acquisition capital, growth capital, special situations, and CPG lines.
Can an SBA loan refinance a merchant cash advance?
Not while it is active, but there is a defined path.
Under SBA SOP 50 10 8.1, an advance can be refinanced into an SBA loan once it has been converted to a term loan and seasoned. We map that sequence for your business so you know when the window opens. Read the details.
Most Bridge clients can become SBA candidates.
The path usually runs through a conventional term loan first. We track every funded client's progress and start the conversation when the SBA window opens, before you have to ask.
Prefer to talk first? Call 801-362-3002