Innovative Financing Solutions
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Government Loan Programs

Utilize Government Guaranteed Loan Programs to Fund the Growth of Your Business

Like many other business owners you may have struggled to find the financing required to grow your business. Without funding, your company may run out of fuel before you reach your destination. But imagine if you had resources to hire new talent, open a new office, invest in the latest technology, or whatever you need to propel your business to new heights.

When do Government Guaranteed Loans Make Sense?

If your conventional financing request has been declined one or more times by a lender, a government guaranteed loan may be the solution.

3 Flagship Government Loan Programs

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) loan guaranty program; SBA 504 program; USDA Business & Industry (B&I) loan guaranty program.

SBA 7(a) SBA 504 USDA B&I
Eligible Business For Profit For Profit For Profit & Non-Profit
Eligibility
Criteria
Industry: Sales & Employee
Limits by Industry
Financial: Net Worth < $15
Million, NIAT < $5.0 Million
Industry: Sales & Employee
Limits by Industry
Financial: Net Worth < $15
Million, NIAT < $5.0 Million
Rural Areas with
Population Less than
50,000
Maximum Loan
Amount
$5 Million $5 Million ($5.5 Million for
Mfg., Energy & High Impact)
$10 Million

($25 Million for High Impact)

Loan Guarantee 75% / Maximum of
$3.750 Million
Non-Guaranteed First
Mortgage to 50% of Costs;
40% CDC Second Mortgage
80% to $5 Million;
70% $5-10 Million;
60% $10-25 Million
Interest Rates Negotiable to WSJ Prime +
2.75%
or 1 Mo. LIBOR + 300bps
+2.75%
Negotiable First Mortgage;
Fixed Below Market CDC
Second Mortgage
Fully Negotiable
Fees 2%-3.75% of Guaranteed
Portion
Fees are Approximately 3% of
CDC Loan Amount
3% of Guaranteed
Portion
Maximum Loan
Term
25 Years 10 Years – Equipment
20 Years – Real Estate
30 Years

The Secret to Securing Government Guaranteed Loans

The path to obtaining Government Guaranteed Loans is often littered with stumbling blocks because these loans have specific requirements and guidelines.  Your lender must follow these guidelines and requirements to gain government agency approval.

IFS is an expert in Government Guaranteed Loans.  We assist small business owners, like you, in building their businesses every day.

  • We listen to your needs and understand your goals.
  • We become a partner to you and your business.
  • We help you explore and discover the proper loan and proper lender that will meet your needs.
  • We help you complete your application, gain approval, and close your loan.


Let’s Get Started

Contact IFS for your free consultation to develop a customized commercial financing strategy.

(610) 228-4654