Long-Term Financing Solutions Backed by the U.S. Small Business Administration

Ohio Business Funding's SBA Loan Program helps small businesses secure affordable, long-term financing through our network of SBA-approved lending partners. Backed by the U.S. Small Business Administration (SBA), these loans are designed to make financing more accessible for businesses by reducing lender risk and offering competitive interest rates and extended repayment terms.

Whether you're starting a new business, expanding operations, purchasing commercial real estate, acquiring another business, or refinancing eligible debt, an SBA loan can provide the capital needed to support long-term growth.

SBA Loan Solutions

We assist businesses with a variety of SBA financing options, including:

• SBA 7(a) Loans
• SBA Express Loans
• SBA Working Capital Loans
• SBA Startup Financing
• SBA Business Acquisition Loans
• SBA Commercial Real Estate Loans
• SBA Equipment Financing
• SBA Partner Buyout Financing
• SBA Debt Refinancing
• SBA Lines of Credit (where available)

Loan Highlights

• Financing from $50,000 to $5 million+ (program dependent)
• Competitive interest rates
• Repayment terms of up to 25 years for eligible real estate financing
• Lower down payment requirements than many conventional loans
• Available for startups, acquisitions, expansions, and established businesses
• Flexible use of funds based on SBA program guidelines
• No balloon payments on most SBA loan programs

Common Uses

Businesses commonly use SBA financing to:

• Purchase or renovate commercial real estate
• Acquire an existing business
• Start a new business
• Purchase equipment or machinery
• Refinance eligible business debt
• Increase working capital
• Hire employees
• Expand operations
• Purchase inventory
• Fund franchise opportunities

Benefits of an SBA Loan

• Lower monthly payments through longer repayment terms
• Competitive interest rates
• Larger borrowing capacity
• Flexible financing options
• Supports long-term business growth
• Can preserve working capital while financing major investments
• Financing solutions for businesses that may not qualify for conventional bank loans

Basic Qualifications

Qualification requirements vary by lender and SBA program, but businesses generally should have:

• A for-profit business operating in the United States
• Good personal and/or business credit
• Demonstrated ability to repay the loan
• A sound business purpose for the requested financing
• Owner investment in the business (for certain programs)
• Financial statements and tax returns supporting repayment ability

Additional documentation may include:

• Business tax returns
• Personal tax returns
• Profit and Loss Statement
• Balance Sheet
• Business Plan (for startups)
• Personal Financial Statement
• Business Debt Schedule
• Bank Statements

Why Choose Ohio Business Funding?

Ohio Business Funding works with an extensive network of SBA Preferred Lenders and commercial lending partners to help businesses navigate the SBA financing process. Our experienced team assists with evaluating eligibility, packaging loan applications, gathering documentation, and matching clients with financing programs that best fit their business objectives.

We strive to make the SBA lending process as efficient and straightforward as possible, helping business owners secure the capital needed to grow with confidence.

Ideal For Businesses Looking To

• Start a new business
• Expand existing operations
• Purchase commercial property
• Acquire another business
• Refinance higher-cost business debt
• Purchase equipment
• Increase working capital
• Invest in long-term growth opportunities

Important Disclosure

SBA loans are issued by participating financial institutions and partially guaranteed by the U.S. Small Business Administration. Approval, loan amount, interest rates, repayment terms, collateral requirements, and funding timelines are determined by the participating lender and applicable SBA program guidelines. Ohio Business Funding is not a direct lender and works with a network of lending partners to help businesses identify financing solutions that meet their needs.