Welcome to

The SBA Shop

About Us

The SBA Shop is a national commercial loan advisor specializing in SBA and USDA financing. We advise and assist businesses seeking SBA 7(a), 504 and USDA Business & Industry (“B&I”) financing.

Using our decades of experience in these programs, we help business owners understand the nuances of these programs, determine which program best fits their needs, and work with them from start to finish to ensure a smooth and timely funding process.

Our expertise lies in understanding your financing needs and leveraging our extensive network of lenders to deliver a tailored solution with the best possible terms.

J. Kevin Riffey

President/CEO

Kevin has spent the entirety of his professional career assisting business owners access capital. He is a seasoned Small Business Administration (SBA) executive with decades of experience in the industry.

Since 2010 he has started and built four community bank SBA departments, implementing policies and procedures; hiring staff; managing production as a player/coach; driving revenue through loan sales; and overseeing servicing and liquidation. He has been a member of NAGGL (National Association of Government Guaranteed Lenders) including membership on the Small Lender East Committee.

SERVICES

The SBA Shop is a nationwide commercial loan brokerage and advisory firm specializing in SBA 7(a) and 504 loans, plus USDA Business & Industry (B&I) loans. We leverage decades of experience and an extensive network of lenders to find the best solution for our clients.

The SBA Shop helps you

COMPLETED LOANS

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Frequently asked question

Why would I engage a broker / advisor / intermediary instead of “shopping” the loan myself to various lenders?
You can certainly shop the loan yourself. However, because of the nuanced nature of SBA lending, you would most likely benefit from having a partner and advocate who has done hundreds of these loans and understands what it takes to apply, underwrite, process and close a loan.
In most cases, we are paid by the lender though a referral fee when the loan closes and funds. In cases where we work with a lender that does not pay a referral fee, the client will pay us.
Typically 45-60 days. Timing depends on the complexity of the transaction; whether real estate is involved; and how quickly the borrower provides financial information and responds to questions. Part of our value proposition is to help compress this time by knowing how to navigate the loan process.
It can vary based on the type of loan, loan term, strength of borrower, etc. SBA publishes rate guidance, and each lender sets its rates based on that. Contact us for a specific rate quote on your loan.
Anyone with 20% or more ownership in the borrowing entity and/or collateral is required to personally guarantee an SBA loan. Spousal ownership is considered in the aggregate.

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Testimonials

David N. Liu

Owner and Chief Executive Officer
AVC Technologies

“I engaged Kevin and The SBA Shop to obtain financing for the acquisition of the company I ran for 4 years in an industry I had been in for 24 years. The deal took unforeseen (to me) twists and turns which could have disrupted the health of the company I was running and in turn purchasing. Kevin was always available via call, text or email to answer questions and work on our behalf with the lender to help navigate the complex closing process.  It was extremely valuable to have a partner like Kevin in this venture, which afforded me the time to continue to run my day-to-day operations. If you’re looking for SBA financing, it is imperative you hire Kevin and The SBA Shop to leverage their expertise.  Recommending Kevin would be an understatement!!  Time kills all Deals.”

Tricia Will

CEO Revivery

“When we set out to bring our sauna and cold plunge social wellness studio to life, I knew finding the right banking partner was going to be a challenge. Enter Kevin Riffey and The SBA Shop. From the start, Kevin made the process feel less daunting. He didn’t just connect us with potential banking partners—though he introduced us to more than a dozen—he became a trusted guide through every twist and turn of the loan closing process.

What stood out most was Kevin’s unwavering support. When complexities arose (and there were plenty), he stayed calm, resourceful, and solution-oriented. He didn’t just get us answers—he provided insights, recommendations, and a level of expertise that gave me confidence we were making the best decisions. Kevin’s deep understanding of the SBA process, from both the banking and SBA perspectives, was invaluable.

Beyond the technical details, Kevin helped us tell our story. He worked closely with us to refine our projections and organize our closing materials, ensuring we were always a step ahead. It felt like having a partner who genuinely cared about the success of our vision—not just another service provider.

Thanks to Kevin, we secured the financing we needed, and I can say without hesitation that we couldn’t have done it without him. If you’re looking for someone who’s knowledgeable, dedicated, and a true partner in the process, Kevin Riffey is your guy.”