SBA financing and
Term loans
You already passed the stage of struggling to keep the lights on— your business is gaining traction: You are ready for smart moves that take your business to the next level, you are ready to fuel your growth with strategic capital:
SBA loans aren’t issued directly by the government. They’re offered through banks, credit unions, and private SBA-approved lenders, with the Small Business Administration guaranteeing a portion of the loan.
This partnership allows qualified businesses to access better terms, lower rates, and longer repayment options—making it one of the smartest ways to fund long-term growth.
Whether you're expanding into a second location, buying out a partner, acquiring another company, or consolidating debt to improve cash flow—structured loans like SBA 7(a) and traditional term loans offer serious leverage with:
✅ Predictable payments that help you plan
✅ Longer repayment terms for breathing room
✅ Lower interest rates compared to quick capital
✅ Approval criteria that reward organized, growing companies
This kind of funding isn’t for everyone. It’s for business owners who’ve put in the work, know their numbers, and are ready to move with purpose.
We’ll help you present your business in the best possible light, connect with trusted lenders, and choose the loan structure that supports your long-term vision—not just your short-term need.
FAQs
Your Queries Answered: Navigating Financial Success with Big Goals Financial
I have bad credit and even a previous bankruptcy. Can you get me funding?
Sometimes yes—but not always the wiser option.
There are lenders who offer high-cost funding for people with poor credit, but those deals often come with steep rates and risky terms. Taking money under those conditions might solve today’s problem but create a bigger one tomorrow.
At Big Goals Financial, we won’t set you up for failure. If funding would do more harm than good, we’ll tell you—and help you focus on rebuilding your profile so you can qualify for better options soon.
The goal isn’t just getting funded—it’s building something that lasts.
What can I use the funding for?
The funding is yours to use for your business needs—whether that’s covering payroll, purchasing equipment, managing inventory, renovating, expanding, or seizing new opportunities.
But at Big Goals Financial, we go beyond just providing funding. Our goal is to help you use capital wisely, with a growth strategy behind it. We offer consulting and guidance alongside the financing, so you’re not just getting money—you’re getting a partner in your long-term success.
Because it’s not just about access to funds. It’s about using them to build something stronger, smarter, and more sustainable.
What are the minimum requirements for funding?
Different lenders and loan types have different criteria around credit, revenue, time in business, and even industry —there’s no one-size-fits-all answer.
But that’s exactly why we offer a free consultation. Instead of guessing or applying blindly, we take the time to understand your situation and guide you to the funding option that fits you best.
Whether you’re just starting out or already growing, we’ll meet you where you are and help you move forward with confidence.
Why do we start with a call?
Because you deserve more than a one-size-fits-all offer.
We’re not just brokers—we’re growth advisors.
This call helps us understand your real goals, challenges, and funding needs so we can recommend the most strategic path forward. It’s not about pushing products—it’s about building relationships and getting you the capital and clarity to grow.
Are you the one funding me?
No. We partner with a curated network of trusted lenders, private capital groups, and alternative financing programs.
Think of us as the bridge between your business vision and the right funding solution—without the gatekeeping, delays, or impersonal forms you get elsewhere.
What is your application process like?
We keep it simple, human, and tailored to your goals.
Step one is a strategic consultation—appointments are usually available within 24 hours. During the call, we’ll assess your needs and identify the best funding options for your situation.
Once we have your supporting documents, we guide you in submitting a high-confidence application to the lender(s) that best fit your profile.
No guesswork, no wasted time—just real guidance and smart next steps.
How soon can I get funding?
With everything in place, funding approvals can happen in as little as 24 hours.
For options like SBA loans or real estate funding, the timeline is a bit longer, but still much faster than most traditional banks. The key is having the right documents ready and knowing how to present your business with confidence—and that’s where we come in.
We focus on efficiency and alignment—so when your documents are ready, we help you move quickly and confidently through the process.
