Talk Through the Goal
We start with the property, the timeline, and the goal.
Advisor-Led Financing Guidance
Small Business Loans
We help business owners compare SBA and conventional financing paths and select the best fit for goals and timeline.
Loan Range: $50,000 – $5,000,000
Typical Timeline: 30–75 days
- Business acquisition financing
- Expansion and build-out projects
- Working capital and debt refinance
- Owner-occupied property with SBA support
Talk Through Your Scenario
Share the basics. We'll map the likely path.
This May Be A Fit If...
- Business acquisition financing
- Expansion and build-out projects
- Working capital and debt refinance
- Owner-occupied property with SBA support
How We Evaluate The Deal
We keep the early conversation practical so you know the likely path before the file gets heavy.
Map the Realistic Lending Path
We outline likely structure, down payment, and documentation early.
Stay Involved Through Closing
If the path makes sense, we stay involved through underwriting and closing.
Executive Summary
What Lenders Usually Want To See
At a high level, these are the points lenders usually focus on first.
Business financial statements available
Credit profile meets lender criteria
Use-of-funds aligns with loan purpose
Documentation for ownership and operations
Small business loans usually start with one practical question: what is the capital meant to accomplish? The answer shapes whether an SBA-backed structure, a conventional term loan, or another option is the better path.
Common goals behind these requests
- Business acquisition financing
- Expansion, build-out, or strategic growth projects
- Working capital or debt refinance
- Owner-occupied commercial real estate with SBA support
What changes when SBA is in the mix
SBA programs can reduce cash-in requirements and extend terms, but they also bring different documentation expectations and timelines. We help you compare that tradeoff against conventional options before you lean into one path.
What lenders usually need early
- Clear use of proceeds and the reason behind the request
- Business financials, tax returns, and ownership details
- Credit profile and any collateral considerations
- A realistic timeline for approval, underwriting, and closing
What Clients Say
Clients come to us for clarity, speed, and straight answers.
"Rexford moved fast, explained every option clearly, and helped us close on terms that worked for our cash flow."
Clear guidance before the file gets heavy.
We start with the scenario, test the likely path, and stay involved through closing.
Frequently Asked Questions
Should I choose SBA or conventional?
SBA can offer lower down payments and longer terms, while conventional may close faster for some profiles.
What documents are usually required?
Most lenders request tax returns, financial statements, bank statements, and ownership documents.
How long does approval take?
Timelines vary by lender and complexity, but we provide clear expectations at each stage.