Welcome to
The SBA Shop
The SBA Shop is a national commercial loan advisor specializing in SBA and USDA financing.
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
- Navigate the nuances of SBA or USDA financing and advocate for you as the borrower.
- Prepare the loan application so you have the best chance of securing financing with the best possible rates and terms. SBA and USDA loans require specific forms and financial information that we either prepare or help you prepare.
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.
How is The SBA Shop compensated for its services?
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.
How long does it take to obtain an SBA loan?
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.
What is the interest rate?
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.
Do I have to personally guarantee the 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.
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.
Our Latest Blog & News
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