SBA Loan Broker Services — Business Financing Solutions

Franklin Financing Services charges a loan packaging fee of $750 to $2,000, based on loan size. This fee is collected when the loan is submitted and is refunded if the application is declined by credit. SBA loans may also include an SBA guaranty fee of 1.70% to 2.60% of the loan amount, which can be financed into the loan.

SBA loans are made by SBA-approved lenders, which can include banks, credit unions, and specialized non-bank lending partners. Franklin Financing Services works through relationships with national lenders and has been designated as a Preferred Financial Services company by SBA lenders, helping qualified borrowers pursue SBA financing more efficiently than approaching lenders individually.

The SBA 7(a) Loan Program available through Franklin Financing Services ranges from $150,000 to $5.0 million. Loan size depends on lender underwriting, cash flow, collateral, credit history, and the proposed use of proceeds, which may include commercial real estate, equipment, business acquisitions, and eligible working capital needs.

Eligible SBA borrowers may include retail and service businesses, wholesalers, manufacturers, franchises, motels, restaurants, gas stations, convenience stores, and similar operating companies. SBA lenders typically review historic cash flow, business debt-to-net-worth, owner involvement, personal credit histories, and prior legal or bankruptcy issues. Borrowers must generally be actively involved in day-to-day business operations.

SBA loan proceeds can be used for commercial real estate purchases, construction, refinancing, leasehold improvements, business expansion, machinery, equipment, furniture, fixtures, and business acquisitions. Working capital may also be available when connected with certain eligible uses. Start-ups in categories such as franchises, motels, restaurants, gas stations, and convenience stores may also be considered.

SBA loans require more documentation and lender underwriting than fast-track options, so they are not typically as quick as cash advances or fast-track term loans. However, Franklin Financing Services is designated by SBA lenders for quicker and more efficient processing. If speed is a priority, certain non-SBA programs may offer approvals in 24–48 hours and funding in as little as 3–7 days.

Yes. While traditional SBA loans require satisfactory personal credit histories, Franklin Financing Services also offers alternative business financing programs for companies facing poor credit, late payments, or bank turndowns. Depending on revenue, credit card receipts, time in business, and cash flow, options may include cash advances, revenue-based financing, unsecured loans, or term loans.

The process begins with a free evaluation of your business financing needs, intended use of funds, revenue history, and available documentation. Certified financial professionals then review cash flow, credit, and business type to identify the best lender fit. Next, they help organize and package the loan request for lender submission. Finally, they coordinate with lending partners, clarify any requests, and help compare available financing structures to secure the most practical terms for your goals.