No minimum credit score
Cash flow and revenue matter more than a number.
SBA 7(a) · Community Advantage Program
Rated Excellent by our clients
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.
- No collateral required
- No minimum credit score
- No prepayment penalty
Rated Excellent by our clients Loan Snapshot Nationwide Lender
$350K
Maximum loan amount
10 yrs
Repayment term
10%
Borrower injection (down payment)
2 days
Pre-approval (business days)
Loans from $30,000 to $350,000No Collateral RequiredNo Minimum Credit ScoreStart-Ups WelcomeOnly 10-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.
10%
The borrower must “inject” 10% of the total loan amount for down payment.
- 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 collateral required
Keep your property and personal assets off the table.
Start-ups welcome
The borrower must inject 10% of the total loan amount for down payment.
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.
Only 10-year term
Long repayment keeps monthly payments manageable. No real estate on this program.
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
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
- Only 10 years (no real estate on this program)
- Collateral
- Not required
- Credit Score
- No minimum
- Borrower Injection
- 10% of the total loan amount for down payment
- Liquidity
- 10% of the loan amount in savings
- Bankruptcy
- Discharged 3+ years ago
- Prepayment Penalty
- None
- Lender
- Nationwide
Real Results
Past fundings
Real loans closed for small business owners like you.
$350,000
- Monthly payment
- $4,132.50
- Loan term
- 10 Years
$250,000
- Monthly payment
- $3,443.75
- Loan term
- 10 Years
$145,000
- Monthly payment
- $1,997.38
- Loan term
- 10 Years
Easy to Qualify
Personal & business requirements
Most SBA loans are for healthy borrowers and businesses operating for at least 2 years 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
- The borrower must “inject” 10% of the total loan amount for down payment
- Borrower is required to have in savings “10% of the loan in liquidity”
- Two business years of revenue & tax returns reported to the IRS
- 2 years business tax returns required
- Sufficient cash flow to repay the loan
Rated Excellent by our clientsGet 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 PersonRated Excellent by our clients
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 888.88.CASH.1 Ext. 0 and ask for Mr. John Guillory.
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 888.88.CASH.1 Ext. 0. If your call goes to voicemail, we’ll call you back as soon as possible.
Fast, simple access to working capital — 40+ cash & business loan programs for small & medium-size businesses since 2007.
Call Toll Free888.88.CASH.1 Ext. 0 Email Uscash@moneyman4business.com
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