At CapTec USA we focus strictly on the commercial loan programs guaranteed by the U.S. Government through their SBA 7(a) and USDA B&I (business and industrial) programs as they offer the best terms for the borrowers we work with.

SBA 7(a)

CapTec specializes in SBA 7(a) loans from $350,000 to $5,000,000.

SBA 7(a) loan benefits include:

  • Lower interest rates – We specialize in WSJ Prime based loans
  • Longer repayment terms – Up to 25 years
  • Less restrictive collateral requirements

SBA loans are available for most loan purposes and industries as long as they meet the general qualifications below as well as other specific criteria depending on the use of the loan proceeds:

  • Must be a for-profit business headquartered in the United States
  • Must meet SBA guidelines for business size (contact us for industry specific requirements)
  • Must have reasonable equity in the project
  • Principal owner must have a credit score over 700 or a guarantor with similar credit

USDA B&I

CapTec specializes in B&I (Business & Industrial) USDA loans from $500,000 to $25,000,000.

USDA B&I loan benefits include:

  • Lower interest rates – Negotiated with the lender, fixed rates available!
  • Longer repayment terms – Up to 30 years
  • Loan structure flexibility – Let us help you find the best deal for you!

USDA B&I loans are available for most loan purposes, industries, and borrowers with good credit history as long as the business is located in an area identified by the USDA as rural. Contact us or click here to check your address.