We tell you honestly whether your SBA loan will clear underwriting, structure the file so it does, and fund a fast bridge if you need capital before it closes. No hard credit pull to check.
1000+
Businesses funded
$50K to $500K, funded in 3 to 7 days
20+
Years of lending experience
board member, National Association of Government Guaranteed Lenders
$300M+
Deployed
for payroll, inventory, equipment, expansion, and debt refinancing
Why ChatBiz for SBA
We tell you whether your deal clears SBA underwriting today, and exactly what to change if it does not. No wasted 60 day process.
Equity injection, seller standby, valuation, lien position. We structure the file to SBA and lender standards before it is ever submitted.
If you need capital before SBA closes, we fund a fast core loan in as fast as 3 days and refinance into the SBA loan later.
What an SBA 7(a) looks like
Amount
Up to $5M
from $50K on 7(a) through $5M on large 7(a)
Rate
6.5–9.75%
the 6.5% floor is for real estate secured files
Term
10–25 years
fully amortized, up to 25 for real estate
Payments
Monthly
never a daily or weekly debit
Time to close
45–60 days
set honestly, the price of the low rate
Eligible uses
Broad
acquisition, real estate, expansion, refinance, equipment, working capital
Owners who grew with ChatBiz
★★★★★
"They turned complex financial challenges into smooth solutions - and made the process enjoyable."
Christopher McKenney
SBA Loan
★★★★★
"ChatBiz helped me when I needed clarity and gave great advice throughout the process."
Carlos de Varona
Refinance
★★★★★
"ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support."
Akhil Bhandare
Working Capital
SBA deals stall on the same three things every time: equity injection, seller standby, and collateral gap. On a short call, a specialist tells you whether your deal clears underwriting, and what to change if it does not.
(727) 432-0428
Monday–Friday · 9 a.m.–7 p.m. ET
Straight answers
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A 2 minute eligibility check, then a straight answer from an SBA specialist on whether your deal clears, and what to do if it does not.
Check my eligibilityNo hard credit pull. No obligation. We never sell your data.
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