Designed to help your business grow through much needed capital, with manageable down payment, and low interest rates.

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5 Star Rating on TrustPilot

5 Star

Rating on TrustPilot

Biscayne Capital Funding, Financing Consultants, Miami, FL

What can an SBA 7(a) Loan be used for?

Having the highest flexibility option amongst the SBA loan options, our SBA 7(a) can be used for a majority of things to advance your business. Thanks to its variety of uses, SBA 7(a) loans are the best option for owners of small to midsized businesses looking to fund the growth of their company.
  • Business Acquisitions
  • Working Capital
  • Business Debt Refinancing
  • Franchise Purchases
  • Start Up Projects
  • Partner Buyouts
  • Business Expansion
  • Business Debt
  • Renovations
  • Ground-Up Construction
  • Commercial Real Estate
  • Equipment Purchases

Fill out our quick application below and you’ll be entered in to our queue for processing. You’ll receive a confirmation once you’ve applied.

You’ll receive an official welcome email providing more details on the loan process and next steps.

You’ll receive an invite to our secure portal where you will be able to upload all required documentation

Take the Next Step in Growing Your Business!

SBA 7(a) Frequently Asked Questions

  • For-profit, non-publicly traded businesses
  • Tangible business net worth (including affiliates) not to exceed $15 million
  • Proceeds MUST directly benefit the small business
  • Ownership must generally be comprised of 51% U.S. citizens or Legal Permanent Residents (exceptions apply)
  • Average net income of the business not to exceed $5 million over the previous two years
  • Non-profits (except sheltered workshops)
  • Passive holders of real estate and/or personal property
  • Lending institutions (mortgage brokers and correspondent lenders are eligible)
  • Life insurance companies (franchised agents are eligible)
  • Consumer and marketing cooperatives (producer cooperatives are eligible)
  • Government owned entities (excluding Native American tribes)
  • Businesses that are:
    • Located in a foreign country
    • Selling products or services through a pyramid plan
    • Restricting patronage
    • Engaging in loan packaging
    • That have previously defaulted on a Federal loan
    • Engaging in political or lobbying activities
  • Those transactions that do not directly benefit a subject business (investment-only transactions)
  • Refinancing owner debt or providing funds to a person or owner
  • Buying into a business where the seller remains a part owner (business acquisitions must result in a 100% change in ownership
  • “Cash out” transactions
  • Longer-term financing than conventional loans (up to 25 years)
  • Prepayment penalty is minimal or nonexistent
  • Loan payments cannot be accelerated as a result of an economic downturn as long as you make your payments on time
  • Fully-amortizing loans with no balloons, removing the need to seek reapproval (or new financing) every few years
  • Smaller down payment than conventional financing, which allows you to conserve working capital
  • Proceeds to cover all of your business needs
  • No financial covenants, other than providing annual tax returns and financial statements
Funding Amount

$50K - $10M

Amortization

10-25 years

Rates

3.63% - 6.5%

Speed

3-5 weeks

Compared to other loan types

Loan typesMax AmountsRatesSpeed
Merchant Cash Advance$7.5k – $1mStarting at 1.09%1-2 business days
SBA Loan$50k – $10mStarting at 5%3-5 weeks
Business Term Loan$10k – $5mStarting at 5%1-3 business days
Business Line of Credit$10k – $250kStarting at 8%1-3 business days
Receivables/Invoice Factoring$50k – $15mStarting at 5.8%1-2 weeks
Equipment FinancingUp to $5m per pieceStarting at 5%3-10 business days
Revenue Based Business Loans$10K – $5mStarting at 9%1-3 business days

Testimonials

Kym Nguyen, Beauty Salon

I did a little research in the Miami area and saw other entrepreneurs saying that had a pleasant experience with this company. Biscayne Capital Funding made me feel comfortable during the entire process. The business loan gave me the flexibility that I didn’t have before. I was able to increase inventory and do some updating around the salon. The level of service was excellent; Gabriel was very knowledgeable and easy to work with.

Doug Mitchell, Manufacturer

Biscayne Capital Funding got me the equipment that I needed with the right financing to help my business grow. My Account Executive made me feel at ease and took care of us from start to finish.

Christian Reed, Retail Store

Biscayne Capital Funding delivered fast and I was able to pay down suppliers, inject cash into the business and do a little expansion. The staff was very professional and transparent. We couldn’t be happier with the service we received.

Rebecca Gill, Restaurant Owner

A business loan from Biscayne Capital Funding has helped us free up our cash flow and dwindle down our debt ratio. Knowing that we have a partnership with Biscayne Capital Funding helps to keep our heads above water and sleep at night. There are no hidden costs and everything is clear. Biscayne Capital Funding has been fantastic to work with!

Antonio Solano, Franchise Owner

I have worked with Jim over the last couple years when I find the need for working capital and they always provide me with a plan that fits my needs and goals. I would recommend Biscayne Capital Funding to any small business owner that is seeking financing.

Stanley Thomas, Paint & Body Shop

I used the loan to get inventory for my business without any problems. My Account Executive was quick to follow-up with any questions I had. No hassles just professional service. I highly recommend the team there

David Allen Outpatient Clinic

Biscayne Capital Funding has been incredibly helpful to our company by providing a line of credit for our continued growth. I had an overall great experience with this company. Jim was very kind and helpful.

Ed Wilson, General Contractor

Biscayne Capital Funding is our go to experts for business financing. They are fast, professional and legit. Thank you Biscayne Capital Funding!

Sanjay Patel, Animal Hospital

Biscayne Capital Funding is the only one that stepped up to the plate… We talked to a couple of other companies and they weren’t able to do what we needed. My Account Executive was very attentive to what my wife and I needed to take our business to the next level.

Don Simmons, IT Services

I used the capital for marketing purposes. Their team provided very good service and was always very helpful.  I am glad to have found you guys.

Marco Gonzalez, Logistics Company

Biscayne Capital Funding has been a key partner in our success, and an invaluable asset for the growth and future of our company.

What Documents Will I Need To Apply For An SBA 504 Loan?

  • Business Tax Returns – 3 Years
  • Personal Tax Returns – 3 Years
  • Personal Financial Statement
  • Biscayne Capital Funding 1 Page Application
  • Current P&L and Balance Sheet Year-to-Date
  • Debt Schedule
  • Business Bank Statements (last 3 months)

(888)201-8903

Ready to take the next step and apply for an SBA 504 Business Loan?

How To Apply For An SBA 504 Loan With Biscayne Capital Funding

Apply Online

Use our simple online application to submit a request for business funding. If you need any help along the way, just give us a call, chat or email.

Talk to an expert advisor

An expert, knowledgeable account executive will walk you through all the fine details and the requirements. This is to ensure you have all the info you need.

Get the funds

After review and approval, you’ll be headed towards creating wealth instead of having to pay a landlord every month.

Funding in as little as 24 hours

Receive a quick decision and get funding in as little as 24 hours

2801 Florida Ave, Suite 12 Miami, FL

(888) 201-8903

info@biscaynecap.com