Referral partner program FAQ

We approach every deal with genuine curiosity about how to make it work. With decades of SBA expertise and creative problem-solving skills, we specialize in finding solutions for complex situations and unique business needs.

Your clients get a team that's excited about turning their business dreams into reality. Plus, as a non-depository lender, we're not competing for your client relationships. We handle the lending, you keep the relationship you've built.

We can usually let you know if we're moving forward within 5-7 business days of receiving a complete application. No black holes or radio silence here. We believe clear, fast communication protects both your reputation and your client's timeline.

We handle everything from $5,000 Microloans to $5.5 million SBA 504 deals, but our bread and butter tends to be:

• SBA 7(a) Community Advantage loans: Average around $150,000
• SBA Microloans: Average around $25,000
• SBA 504: Wide range depending on the project

We've never turned away a deal based on size alone. If it makes sense for your client's business, we want to explore it.

Absolutely! We love working with entrepreneurs who are just getting started. Start-ups often need more guidance through the SBA process, and that's exactly where our experience shines. We take the time to help both you and your client understand requirements and create realistic timelines.

However you want to be! Some partners prefer a simple handoff with regular updates, while others like staying involved with joint client calls throughout the process. We adapt to your style because every partnership is different.

You'll always get milestone updates and a heads-up before any major developments. Your reputation is on the line with every referral, and we never forget that.

Give us a call at 609-587-1133 or shoot us an email at info@rbacloan.com. We'll walk through the basics together and determine next steps. No complicated forms or lengthy processes, just a conversation about your client's needs and goals.

We work across all industries, but we tend to get more requests for businesses that traditional banks consider higher risk. Think restaurants, personal services, newer industries, or businesses with unique circumstances. If your client has been hearing "no" elsewhere, we're probably a great fit.

Yes! We pay referral fees for most of our loan programs.

SBA programs are designed to be more flexible than traditional bank lending. We look for businesses with solid cash flow potential, experienced management, and a clear plan for success. Credit requirements are more forgiving than conventional loans, and we consider the whole picture, not just the score.

Every situation is unique, so let's talk about your specific client and see how we can help.