Like many small business owners, you may have struggled to secure financing for your business needs, leaving you without the necessary capital to sustain or grow your business. If your requests for conventional financing have been declined by a lender, a government-guaranteed loan may be the solution.

With more than 150 years of in-house, government-guaranteed and commercial lending experience, our expert team will assist with selecting the right loan program to meet your needs.

As an established SBA and USDA Lender Service Provider, IFS has a network of over 40 government-guaranteed lending partners that can finance your loan request.

There are a myriad of government-guaranteed loans and direct loan programs available through the SBA and USDA. However, the three key programs that support most small- to middle-market business lending include the following:

SBA 7(a)SBA 504USDA B&I
Eligible BusinessFor ProfitFor ProfitFor Profit & Non-Profit
Eligibility CriteriaIndustry: Sales & Employee Limits by Industry Financial: Net Worth <$15 Million, NIA <$5.0 MillionIndustry: Sales & Employee Limits by Industry Financial: Net WorthRural Areas with Population Less than 50,0000
Maximum Loan Amount$5 Million$5 Million ($5.5 Million for Mfg., Energy & High Impact)$10 Million ($25 Million for High Impact)
Loan Guarantee75% / Maximum of $3.75 MillionNon-Guaranteed First Mortgage to 50% of Costs; 40% CDC Second Mortgage80% to $5 Million; 70% $5-10 Million; 60% $10-25 Million
Interest RatesNegotiable generally to WSJ Prime + 3.00%Negotiable First Mortgage;Fixed Below Market CDC Second MortgageFully Negotiable
Fees2% – 3.75% of Guaranteed PortionFees are Approximately 3% of CDC Loan Amount3% of Guaranteed Portion
Maximum Loan Term25 Years10 Years – Equipment 25 Years – Real Estate30 Years

To learn more about how we can help you secure the capital you need to grow your business, contact our SBA and government-guaranteed lending consultants at (610) 228-4654.

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