EXPLORE SBA FINANCING
Fuel your growth with flexible SBA financing solutions built for the modern business.
Access the capital you need to scale your business, with tailored SBA financing that adapts to your goals and pace.
THE STRATEGIC PARTNER FOR YOUR SBA LOAN
Designed for long-term growth. SBA financing offers manageable terms tailored to help your business scale sustainably.
Repayment plans that work for you. Structured payments that align with your cash flow, supporting growth without strain.
Growth capital without equity dilution. Access funding to expand your business while keeping full ownership intact.
Trusted expertise in SBA financing. With over $500 million funded, we simplify the process and ensure you get the right solution.
Personalized guidance every step of the way. Our team provides dedicated support to match you with SBA programs that meet your needs.
Built for stability and scalability. Structured to help your business thrive, SBA loans offer a reliable path to growth.
Choose the right plan for your business.
Purpose-built solutions to accelerate growth, optimize resources, and scale your business with confidence.
SBA FastTrack™
$150K
loan cap
Terms up to 3 years.
Approvals within 30 days.
Quick funds for small businesses
Short-term working capital
Small equipment purchases
Bridge financial gaps
Seasonal adjustments
Emergency expenses
SBA Boost™
$500K
loan cap
Terms up to 10 years.
Approvals within 30 days.
Fuel your business growth
Working capital
Debt refinancing
Inventory purchases
Equipment purchase
Growth initiatives
SBA 7a
$5M
loan cap
Terms up to 10 to 25 years.
Approvals in 4 to 6 weeks.
Versatile solutions for business goals
Working capital
Debt refinancing
Inventory purchases
Equipment purchase
Business expansion
Commercial real estate
Acquisitions and buyouts
SBA 504
$5.5M
loan cap
Terms up to 10 to 25 years.
Approvals in 4 to 6 weeks.
Growth-focused fixed-asset loans
Purchase commercial real estate
Build or renovate facilities
Equipment purchases
Refinance long-term fixed-asset debt
Energy efficiency projects
Down payments as low as 10%
Are we a fit? Check your eligibility.
Check if your business aligns with our financing guidelines and see how we can support your growth.
$1,000,000+ annual revenue
Ensure your business brings in at least $1,000,000 per year.
650+ FICO score
Maintain a personal or business credit score of 640 or higher.
In business for at least two years
Your business must be operational for at least 24 months.
Two years of full financials
Two years of corporate tax returns, current year financials, personal financial statement and debt schedule.
The proven path to receiving an SBA loan for your business.
From application to funding, we streamline the process to ensure you get the capital you need when you need it. Our step-by-step approach keeps you informed at every stage, so there are no surprises—just progress.
Gather and provide essential documents, including financial statements and business details. This step kickstarts your application and ensures we have everything needed to evaluate your funding options effectively.
Our team conducts an initial review of your application, assessing eligibility and loan feasibility. This process identifies opportunities, ensuring your submission aligns with our funding criteria for a seamless experience.
Our team conducts an initial review of your application, assessing eligibility and loan feasibility. This process identifies opportunities, ensuring your submission aligns with our funding criteria for a seamless experience.
Our experts perform a comprehensive evaluation, verifying all documents and conducting due diligence. This thorough process ensures your loan meets regulatory standards and aligns with your business goals.
Once approved, your funds are swiftly disbursed to your account. With clear terms and flexible options, you’re equipped to focus on growing your business and achieving your objectives.
Businesses across the nation trust RelFi for their growth.
Choosing the right financing partner can make all the difference. With our proven expertise, personalized solutions, and commitment to your success, we stand apart as more than just a lender—we’re your ally in business growth.
“RelFi made financing effortless. Their team understood our needs and helped us secure the capital to expand operations seamlessly. The process was straightforward, and their support made all the difference in achieving our goals.”
When it comes to financing, we believe your business deserves more than just a transaction—you deserve a partner who truly understands your journey. That’s why we take the time to tailor our financing solutions to fit your unique goals. Whether you’re expanding operations, purchasing equipment, or navigating unexpected challenges, our personalized approach ensures that your funding works for you, not the other way around.
With decades of experience and over $500 million in funding delivered, we’ve developed a deep understanding of what businesses need to thrive. As founders ourselves, we know the ups and downs of entrepreneurship firsthand. That’s why we go beyond providing capital—we offer guidance, support, and insights to help you succeed.
Our commitment doesn’t stop there. We pride ourselves on offering flexible repayment options that adapt to your needs, so you can maintain control of your business without sacrificing equity. It’s an approach built on trust and transparency, designed to empower your growth without adding unnecessary stress.
Thousands of businesses across the country have trusted us to help them achieve their goals. From startups taking their first steps to established enterprises scaling to new heights, our proven track record speaks for itself. And through it all, our dedicated team is here for you—providing exceptional care, clear communication, and a steadfast commitment to your success.
Partner with us to experience a financing relationship built on understanding, expertise, and a shared vision for your business’s future.
Frequently asked questions
Get clear, concise answers to the most common questions about SBA loans, eligibility, and how our streamlined process ensures you secure the funding you need to grow your business with confidence.
What makes SBA loans different from other business loans?
SBA loans are partially guaranteed by the government, which allows lenders to offer more favorable terms. These loans often come with lower interest rates, longer repayment periods, and higher borrowing limits compared to traditional business loans. This makes them an excellent choice for businesses looking for affordable financing options to support growth or manage cash flow.
How does the application process work?
The process begins with submitting your financial and business documents. Once your documents are reviewed, pre-underwriting ensures that your application aligns with SBA guidelines. After this, a Letter of Intent is issued, outlining potential terms. Once underwriting confirms your eligibility, the final approval and funding process begins. While detailed, this process ensures clarity and fairness for all applicants.
What industries are eligible for SBA loans?
SBA loans cater to a wide range of industries, including retail, manufacturing, healthcare, and service-based businesses. However, some industries, such as speculative investments or businesses engaged in illegal activities, are excluded. If you’re unsure whether your industry qualifies, our team can help assess your eligibility and guide you accordingly.
Can I use an SBA loan to refinance existing debt?
Yes, SBA loans are an excellent tool for refinancing existing business debt under better terms. By consolidating high-interest loans or short-term financing into a single SBA loan, you can reduce monthly payments, extend repayment periods, and improve your cash flow, freeing up resources to invest in other areas of your business.
Can SBA loans be used for multiple purposes at once?
Yes, many SBA loans are versatile and can cover multiple business needs simultaneously. For example, you might use part of the loan for purchasing equipment while allocating another portion for working capital. As long as your intended uses align with the SBA’s approved categories, the funds can be flexibly distributed.
What happens if I’m denied an SBA loan?
If your application is denied, it doesn’t mean the end of your funding journey. Our team works closely with you to identify areas of improvement, such as strengthening your credit score or adjusting your loan request. We’ll also explore alternative financing options that align with your business goals, ensuring you still have access to the capital you need.
CLIENT TESTIMONIALS
Helping business owners grow on their terms
“Partnering with RelFi was a game-changer for us. They didn’t just provide funding—they provided a financial roadmap that allowed us to consolidate debt, invest in growth, and position ourselves for long-term success.”
Jason B, Owner
Commercial Cleaning Services
Ruskin, FL
“RelFi helped us move from a small bridge loan to a full-scale acquisition strategy with structured financing that supported our growth at every stage. Their expertise in logistics financing made all the difference.”
Lucas J, Owner
Logistics & Transportation
Matthews, NC
CASE STUDIES
Success stories
Experience the power of smarter financing. See how we’ve optimized funding for others and discover what we can do for you.
Unlock your potential, accelerate your growth.
RelFi empowers your business to move faster, providing the capital you need to seize opportunities and reach your biggest goals when it matters most.
Start with Relationship Finance