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INSURANCE SBA 7(a) LOANS

The SBA 7(a) loan is a preferred financing option for insurance agencies due to its versatility and favorable terms. Whether you're just starting out, looking to grow, or aiming to improve operations, this program provides a range of benefits to support your business goals:

Longer Repayment Terms

SBA 7(a) loans provide flexible repayment terms, with up to 10 years for working capital, equipment, and general business needs, and up to 25 years for real estate purchases. Loans with terms under 15 years have no prepayment penalties, while loans exceeding 15 years incur penalties in the first three years: 5% in the first year, 3% in the second, and 1% in the third. After three years, you can repay without penalties, giving you freedom to manage your loan as needed.

Competitive Interest Rates

Enjoy competitive interest rates with SBA 7(a) loans, helping you save on financing costs. A government guarantee lowers our risk, enabling us to provide better rates than other lenders.

Lower Down Payments

The government guaranty also enables small business owners to secure financing with lower down payments compared to traditional business loans, typically up to 20% of the total project cost but in some cases as low as 0%.

Flexible Use of Funds

The SBA 7(a) loan program is widely regarded as a top choice for small businesses due to its unmatched flexibility. Unlike many traditional loans that impose strict limitations, 7(a) loans empower businesses to meet a variety of financial needs, making them versatile for nearly any business purpose or stage of growth.



What Can SBA 7(a) Do for Your Insurance Agency?

Our SBA 7(a) loans provide the flexibility you need to invest in your agency’s most critical areas, whether you’re focused on growth, operations, or improving efficiency.


Agency Acquisitions

Looking to expand by acquiring another agency or buying out a partner? Our loans provide the capital to help you scale quickly.

Marketing & Client Growth

Invest in targeted marketing campaigns, digital platforms, or client management tools to grow your client base and improve retention.

Technology & Software

Upgrade to cutting-edge insurance software and CRM systems to streamline your operations and improve client service.

Marketing & Client Growth

Invest in targeted marketing campaigns, digital platforms, or client management tools to grow your client base and improve retention.

Real Estate

Purchase or refinance office space to establish a professional, permanent location for your agency.

Working Capital

Cover day-to-day expenses such as payroll, operational costs, and technology upgrades, ensuring your agency runs smoothly.

Debt Refinancing

Consolidate existing loans into a single, more manageable payment, often with more favorable terms.

Solutions for Every Stage of Your Agency's Growth

Whether you're just starting, growing, or planning for the future, our SBA 7(a) loans offer flexible solutions designed to meet the evolving needs of your agency.