Looking for a business loan?
Welcome to SBAHelp.net the website of Small Business Associates. Small Business Associates is a resource for business owners and those wanting to start a business who are seeking a U.S. Small Business Administration Loan.

 The process of obtaining an SBA loan can be confusing and time consuming. We know the rules and understand the process. We can expedite your loan request and negotiate loan terms with SBA lenders on your behalf.

Small Business Associates was established in 1991 by Shannon and Colleen Vinson in order to assist both start up and existing businesses to secure government guaranteed loans through the Small Business Administration. The role of Small Business Associates is to act as an intermediary between the business owner, the lender and the SBA. We have been designated an Official Intermediary in multiple districts within the Small Business Administration. 

Our mission is to gather background and financial information on the entrepreneur and the business and analyze that information in order to determine whether or not the request is eligible under current SBA guidelines. Once we determine that the request is eligible, we compile and process all the various documentation required to complete an SBA application file for submission to the SBA and the lending institution. 

Small Business Associates acts as the business owner’s representative, working directly with the bank as well as the SBA in order to make sure both sets of criteria are accomplished. With over 35 years experience within the banking industry, we are uniquely qualified to assist the business owner in securing the financing desired. We have an excellent working relationship with many independent banks and our track record for getting loan requests approved is nearly 100%.

The Small Business Administration is a government agency whose purpose is to encourage the growth of private enterprise within the United States. When the SBA was first established in 1953, the budget permitted the SBA to make direct loans and government grants to qualifying business. Over the years, however, those programs have been replaced with the government guaranteed loan program known as the SBA 7A loan program.

Loans made to businesses through the SBA 7A loan program are actually made by participating lending institutions and banks to the business community instead of directly from the SBA. The SBA in turn “guarantees” the loan, acting in a similar capacity as a co-signer. By the SBA guaranteeing a percentage of the total loan, the SBA shares the risk with the lender. The lender is, therefore, more willing to consider extending a loan to a business it might not otherwise have considered creditworthy.

The SBA’s Standard Operating Procedures includes specific criteria for qualifying both the business and the business owner for an SBA guaranteed loan. The individual lenders have their own policies, procedures and criteria. While the lender’s requirements must include all the SBA’s criteria, the lender may also incorporate their own individual requirements. This process of applying for an SBA loan can become quite confusing and cumbersome for the entrepreneur, what with attempting to satisfy the requirements of both the SBA and the individual lender. Hence, the birth of Small Business Associates.