SBA 7(a) · Community Advantage Program

SBA Working Capital & Consolidation Loan From Money Man 4 Business

Built for small businesses that don’t fit other SBA programs — including start-ups. No collateral, no minimum credit score. Check your eligibility in less than 3 minutes.

3 Minutes Eligibility Survey Apply Now More Videos / Free E-Book

No collateral required
No minimum credit score
No prepayment penalty

Rated Excellent by our clients

Loan Snapshot Nationwide Lender

$0K

Maximum loan amount

0 yrs

Repayment term

0 yrs

Term for commercial real estate

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Pre-approval (business days)

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Loans from $30,000 to $350,000No Collateral RequiredNo Minimum Credit ScoreStart-Ups Welcome10-Year TermsNo Prepayment PenaltyPre-Approval in 2 Business Days

Best for Small Business Owners

An SBA program most small businesses can actually qualify for

Many small business owners aren’t eligible for other SBA programs because of their higher qualification terms. This program was designed so most business owners can qualify.

We are very proud to offer our SBA Community Advantage program. At Money Man 4 Business we understand the financial problems small business owners face — just take our 3-minute eligibility survey to check your business eligibility.

What is the SBA Working Capital & Consolidation Loan Program?

The SBA Community Advantage loan is part of the U.S. SBA 7(a) loan program. It is specifically designed for small businesses that are usually not eligible for other SBA loan programs, providing financial support to underserved markets — for example start-up companies and very low income businesses.

The program also offers a very competitive interest rate and repayment term.

5–10%

Borrower injection is all a start-up needs to bring to the table.

Acquisitions, existing businesses and start-ups
Part of the U.S. SBA 7(a) loan program
Competitive rates and repayment terms

Program Features

Why business owners choose this program

Flexible qualification, no collateral and a nationwide lender behind every loan.

No minimum credit score

Cash flow and revenue matter more than a number.

No collateral required

Keep your property and personal assets off the table.

Start-ups welcome

Only a 5%–10% injection required from the borrower.

Bankruptcy 3+ years discharged

A past bankruptcy discharged 3 or more years ago is accepted.

$30,000 – $350,000

Right-sized funding for working capital and growth.

10-year term

Long repayment keeps monthly payments manageable.

No prepayment penalty

Pay it off early whenever you’re ready.

Nationwide lender

Acquisitions, existing businesses and start-ups across the U.S.

Use of Funds

Put the money where your business needs it

The SBA Community Advantage program can be used for:

Working capital

Equipment purchase

New inventory

Operating capital

Tenant improvements

Debt refinance & consolidation

Commercial real estate (25-year term)

Business acquisitions

At a Glance

Loan terms

Clear numbers, no surprises.

Program Term Sheet

Loan Amount: $30,000 – $350,000
Rate: 9.50% – 13.25% (set by underwriting based on risk)
Term: 10 years
Commercial Real Estate Term: 25 years
Collateral: Not required
Credit Score: No minimum
Start-Up Injection: 5% – 10% from the borrower
Bankruptcy: Discharged 3+ years ago
Prepayment Penalty: None
Lender: Nationwide

888.88.CASH.1 Ext. 0 Check My Eligibility

Real Results

Recent fundings

Real loans closed for small business owners like you.

Recent Funding 01

Monthly payment: $4,132.50
Loan term: 10 Years

Recent Funding 02

Monthly payment: $3,443.75
Loan term: 10 Years

Recent Funding 03

Monthly payment: $1,997.38
Loan term: 10 Years

See what business owners say about working with us

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Easy to Qualify

Personal & business requirements

Most SBA loans are for healthy borrowers and businesses operating for at least 18 months with a credit score of 650+. This program is easier to qualify for — no minimum credit score is required and start-ups can also be eligible.

Businesses with no bankruptcy or foreclosure and cash flow sufficient to repay the loan can qualify. Your cash flow and business revenue weigh heavily in the approval, and different lenders may have different criteria.

Not approved? We still have your back.

If no lender approves you, our advisors will recommend steps to improve your financial health or point you to the best alternative program for your needs. We’re here to help your business grow.

Eligibility

Must be a U.S.-based business
Two business years of revenue & tax returns reported to the IRS
In business 13+ months
Sufficient cash flow to repay the loan

3 Minutes Eligibility Survey

Rated Excellent by our clients

Get Ready

Required documents

Have these ready and your file moves faster.

1 Six months of bank statementsPlus current month-to-date statement
2 Two or three years of business tax returns
3 Three years of personal tax returnsFor each owner of the business
4 Year-to-date P&L and balance sheetFor the most recent 90 days
5 Schedule of LiabilitiesBusiness debts with statements in the business name — SBA EIDL, MCA, credit cards Download
6 Color copy of U.S. government-issued IDDriver’s license must show both sides in color
7 Copy of your Experian credit report Experian
8 Money Man 4 Business application Apply

Available today

Talk to a Real Person

Speak with our CFO

Mr. John GuilloryChief Financial Officer

It’s very simple to make an inquiry online or take a 3-minute eligibility survey on our website — or just call us at 888.882.2741 Ext. 0 (888.88.CASH.1 Ext. 0) and ask for Mr. John Guillory.

Call Now Take the Survey

Rated Excellent by our clients

Get Started Here

We are here for you

Applying is easy — hit Apply Now, fill in the application and you’re good to go, or call us at 888.882.2741 Ext. 0. If your call goes to voicemail, we’ll call you back as soon as possible.

Apply Now Eligibility Survey More Videos / Free E-Book

Need help? Call us888.88.CASH.1 Ext. 0888.88.CASH.1 Email uscash@moneyman4business.com

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