Small Business
Loans Solutions.
At JC Holdings Consulting, we provide more than just capital , we deliver tailored financial solutions to help your business grow, invest, and scale with confidence.
Whether you're seeking to strengthen day-to-day operations or finance long-term opportunities, our access to over 75 lending institutions gives you the flexibility to choose the right financial tool at the right time.
Explore our range of solutions and discover how we can support your next big move.
SBA Loans
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What is an SBA Loan?
SBA loans are partially guaranteed by the U.S. Small Business Administration and offered through partner lenders. They are designed to support small businesses with affordable rates, long repayment terms, and lower down payments.
Why Choose an SBA Loan?
They’re ideal for businesses that may not qualify for conventional loans due to limited credit or cash flow. SBA loans are often used for starting a business, acquiring real estate, purchasing equipment, or refinancing existing debt.
Available Amount & General Terms
Credit limits vary by applicant, typically ranging from $10,000 to $500,000. Terms include revolving access, interest-only payments during the draw period, and renewal options.
Why shuold I apply for an SBA Loan for my business?
01
Key Benefits
✔ Lower interest rates
✔ Longer repayment terms (up to 25 years)
✔ Lower equity requirements
✔ Government-backed confidence
02
Eligibility & Requirements
✔ Business must be U.S.-based and for-profit
✔ Must meet SBA size standards
✔ Owner must have reasonable personal credit
✔ Complete business plan and financial statements may be required
03
Application Process
Pre-qualify online and our team will help match you with the right SBA lender. We guide you through the full documentation and approval process. Funding times may range from 10 to 30 business days depending on complexity.
04
Common Use Cases
✔ Opening a new business or franchise
✔ Expanding into a new location
✔ Purchasing equipment or vehicles
✔ Refinancing existing loans
Application Process
Step 1
Fill Out our Quick pre-application form.
Step 2
We'll review and request financial documentation to match you with the best lending partners.
Step 3
Get approved.
FAQ
Q: How long does it take to get approved?
A: Approval times vary depending on the type of loan and your documentation. Traditional loans may take 3–7 business days; SBA loans typically take 10–30 business days.
Q: Do I need collateral to apply?
A: Not always. Some loans are unsecured, while others may require collateral based on loan amount, business risk, and lender preferences.
Q: What credit score do I need?
A: Most lenders prefer a personal credit score of 620 or higher. However, we work with multiple institutions and can evaluate your case individually.
Q: Can I use the loan for any business expense?
A: Yes, most business loans offer flexibility to use the capital for growth, equipment, payroll, marketing, or working capital — depending on the loan terms.
Q: Will this affect my personal credit?
A: Some applications may trigger a soft credit check. Once approved and funded, loan activity may appear on your personal or business credit report, depending on the structure.
