Heritage Capital,
Building Tomorrow.
Heritage Capital provides comprehensive financing solutions for business operators, sellers, and financial partners. Whether you're expanding operations, planning an exit, or securing working capital, we have the expertise to guide you through every step of the journey.
“Sterling helped me secure a $2M SBA loan to buyout a partner, purchase inventory, and acquire a new building to open our 9th location.”
What is an SBA loan?
What is an SBA Loan?
An SBA loan is a small business loan that is partially guaranteed by the U.S. Small Business Administration (SBA). These loans are designed to help small businesses access capital they may not be able to get through traditional lending. SBA loans offer favorable terms such as lower down payments, longer repayment periods, and competitive interest rates making them a powerful tool for business growth, expansion, or debt refinancing. At Sterling SBA, we specialize in helping entrepreneurs navigate and secure the right SBA loan for their specific needs.
Borrow up to $5M for virtually any business need
Fixed or variable rates tailored to your goals
Minimal down payments and manageable collateral rules
Trusted by small businesses nationwide
Empowering entrepreneurs with fast, reliable SBA loan solutions.
Our Simple 5-Step Process
How It Works
We are an SBA Preferred Lender—meaning faster decisions and fewer surprises. Get the capital you need through our streamlined process designed for small business success.
- Apply Online
- Start by completing our short questionnaire—no Social Security number or credit pull required.
- Personalized Onboarding
- Sterling or a member of our team will reach out to walk you through the next steps and better understand your loan needs.
- Loan Evaluation
- We'll assess your eligibility and the creditworthiness of your loan request.
- Bank Underwriting
- We help you move your application through the underwriting process.
- Funding
- Once approved, you close the loan and receive your SBA funds!
Why Choose SBA
Why Would I Want to Utilize an SBA Loan?
SBA loans provide smart, affordable capital that helps your business grow—not just survive. Discover the advantages that make SBA financing the preferred choice for savvy business owners.
- Favorable Financing Terms
- SBA loans offer some of the most favorable financing terms available to small business owners—and they're often a better option than both Merchant Cash Advances (MCAs) and traditional commercial bank loans.
- Low Payments & Rates
- Compared to MCAs, which can come with daily payments and sky-high interest rates that quickly strangle cash flow, SBA loans offer low, fixed monthly payments, longer repayment terms (up to 10–25 years), and interest rates that are a fraction of what MCA providers charge.
- Less Money Down
- Unlike conventional commercial loans, SBA loans require less money down—often as little as 10%—and are more flexible on collateral requirements. Traditional banks might expect 20–30% down and full collateral coverage.
- Versatile Financing
- If you're looking to refinance debt, purchase real estate, acquire a business, or secure working capital—an SBA loan is often the best path forward.
Frequently asked questions
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Ready to Unlock Affordable Capital?
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