Eligibility
Does your deal
fit SBA?
Five questions. Sixty seconds. A clear read on SBA eligibility or the right alternative.
What is your citizenship or residency status?
- Loan size
- Up to $5M
- Down payment
- 10% minimum
- Operator type
- Full-time owner-operator required
- Citizenship
- US citizen or permanent resident only
- Approval rate
- 98% on qualified buyers we submit
The Flex Program covers foreign buyers, passive structures, holdcos, and timelines under 45 days. Deals from $750K to $10M.
Explore Flex ↗Why eligibility matters upfront.
Wrong program kills timelines
Buyers who pursue SBA with a foreign-national structure or a passive holdco don't find out until week three of underwriting, after they've paid for a QoE and opened a data room. The right door at the start saves four to six weeks.
98% approval rate is earned at screening
We have a 98% approval rate because we screen before we submit, not because we get lucky at credit committee. This checker runs the same five gates our advisors cover on the first call.
Flex exists for a reason
The Flex program closes foreign buyers, search funds, holdcos, and speed-critical transactions that SBA can't serve. Knowing early means structuring for Flex from day one rather than pivoting at week four.
The checker says yes.
Now prove it to the seller.
A written prequal letter from us tells sellers and brokers you can actually close — not just that you think you can. Share your target and we'll return a term sheet, rate range, and deal structure within 24 hours.