Confidential SBA Small Business Loan Application – How to Apply

Note: You are applying to a single (we do not shop loans) SBA licensed and preferred lender through their secure system. All data is encrypted for your protection. No up- front fees or obligation.

Step 1: Apply

ONLINE–Instant Answer

Instant answer direct to a lender. Questions before applying? Call (925) 899-8449 for a live person. Many people have questions about the SBA Loan Program before they begin. We would be happy to answer your questions, but most importantly, we can help you expedite the process by giving instructions. Just click the link above, answer the simple questions (no detailed financial info is needed), and follow the prompts. You can also read the instructions below.

If you would like someone to review your credit report confidentially to give a rough idea of your chances, simply pull out a copy of your report (within the last 90 days) or if you do not have one, go to “www.annualcreditreport.com”. Call us and we can go over the report without charge.

• Apply Online

PRE-QUALIFICATION TENTATIVE ANSWER—24 hours Click here!

Get a quick preliminary answer. Want to know what you qualify for before making a formal application? Our PQ system will give a fast “read”. Then you decide if you want to go forward. No obligation—no fee.

BY PHONE—48 hours

Call (925) 899-8449 and speak to a live person. We will explain the program and take down the information needed while you are on the line.

BY FAX—48 hours

Print the attached one-page Loan Application and call (925) 899-8449. We will personally walk you through the Application to speed up the process. Or you can do-it-yourself by using the attached:

• Loan Application

Step 2: The lender will contact you.

Within 3-5 days the lender will call you if approved and send a letter if turned down. They give the status reports and not us because they are making the decision. It’s nice because instead of you having to call them, they take the initiative and call. They will give the amount, an idea of what to expect, how long for funding, the factors that were included, and your chances for a higher or lower amount.

Step 3: Send in the paperwork (by mail).

On the same day the lender contacts you, they e-mail the required original paperwork (by email with an attachment) with detailed instructions. The forms have been specifically devised by the U.S. Small Business Administration (“SBA”) to be brief and simple to fill out. The original documents will be filled out and signed, with mailing directions to the lender.

Step 4: Final steps by lender.

The lender prides itself with a quick turnaround. Usually within two days you will be contacted and they will go over any additional or incomplete paperwork to finalize the process (it takes longer if the paperwork is not filled out correctly–so we have detailed instructions to help).

Step 4: Funding.

Once completed, the lender requests the issuance of an SBA loan number which usually takes two to three days. Once received, loan funds are typically wired (by ACH directly into your business checking account) the next day and received into your account. It is not unusual for your bank to require one or two days to receive full credit. From finalization to funding usually takes seven to ten days. You are done!

Thank you for participating in the SBA Express Loan Programs.