Think of the U.S. Small Business Administration (SBA) as your business's financial co-signer. They back part of your loan, which means competitive rates, longer terms, and lower down payments than traditional bank loans. Instead of 20-30% down, you might only need 10%. More cash stays in your business where it belongs.

The right amount is whatever turns your vision into reality. RBAC offers loans from $5,000 to $5.5 million, with funding for larger projects available through SBA 504.

The best way to find your perfect fit is to chat with us about your business and goals. We'll learn about what you're trying to accomplish and recommend the program that makes the most sense for your situation. Each program has different strengths, and matching you with the right one is what we do best.

In typical cases, yes! With SBA 504, you bring 10%, we cover 40%, and a bank handles 50%. Compare that to conventional loans requiring 20-30% down, and that building becomes surprisingly attainable.

Most loans are approved within 3-4 weeks after we receive your complete application. The time it takes to close your loan will vary. 

Having all your documents ready upfront makes the biggest difference in speed. We'll give you clear timelines and regular updates so you always know exactly where things stand.

The essentials:

• Personal and business tax returns (usually 2 years)
• Current financial statements
• Business plan showing your vision
• Details about what you want to purchase

We'll help you gather everything efficiently and explain what each piece tells us about your business.

Absolutely! SBA 7(a) loans are fantastic for business acquisitions. We've helped entrepreneurs buy everything from neighborhood restaurants to manufacturing companies. You get cash flow, established customers, and proven operations from day one.

We look at your whole story, not just the score. Your business experience, cash flow potential, and passion for success matter too. SBA loans are more forgiving than traditional bank loans because we can focus on your potential instead of just your past.

Often, yes! SBA 504 can refinance commercial real estate debt for better terms. SBA 7(a) loans can tackle other business debts under certain circumstances. If your current payments make you wince, let's explore your options.

We evaluate each loan request individually, so the best way to find out if you qualify is to start an application. SBA programs are designed to say "yes" to businesses that traditional lenders might pass on. We look for solid cash flow potential, experienced management, and a clear success plan. Even when we can't approve immediately, we don't just say "no." We help create a path forward!

We lend in all of New Jersey, the metropolitan New York area, and Eastern Pennsylvania. Our deep roots in these markets mean we understand local business challenges and what it takes to succeed in each community we serve.

We don't publish a strict minimum because every business is unique. SBA guidelines are more flexible than traditional banks. What matters more is the complete picture: your business plan, experience, and ability to repay. Ready to explore your options? Let's chat about your specific situation.