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For Smart Business Loans, Think Inside the LoanBox
Small business owners value the trust and lower rates of traditional bank loans, with 67% preferring banks over online lenders, yet face low approval rates—14.6% at large banks and 20.3% at small banks in September 2023 [1]. Worse, 43% of those rejected abandon their efforts after one or two attempts, risking their dreams [2]. This preference strengthens for larger loans, but alternative lenders’ small loans (averaging $50,000) and high rates (14.99%–99% APR) deter owners needing over $1 million, not under $100,000, without urgent cash flow issues [4].
Sell Your Business Faster With 95% Upfront Cash and 5% Standby Note
If your buyer will be using an SBA backed loan to finance the purchase of your business then the SBA new rules outlined in the SBA’s Standard Operating Procedures (SOP 50 10 8, effective June 1, 2025), then a seller note allows you to finance a portion of the buyer’s required equity injection for an SBA 7(a) loan, boosting their ability to close the deal while providing you with significant immediate cash and a low-risk, annuity-like payout.
SBA Franchise Directory Returns: What It Means for Franchisees in 2025
It all begins with an idea.
Understanding the SBA SOP 50 10 8 Changes for Your Small Business Loan
It all begins with an idea.
Stricter Guarantor Requirements for SBA Loans
When financing your small business or franchise, whether for international trade or other ventures, a guarantor provides a safety net for lenders by personally or corporately backing the loan’s repayment. This commitment strengthens your loan application, especially for SBA-backed financing.
Navigating SBA Franchise Loan Eligibility in 2025
It all begins with an idea.
No More Refinancing Merchant Loans With SBA Loans
It all begins with an idea.
Mastering the SBA Credit Elsewhere Test in 2025 with LoanBox
It all begins with an idea.
Non-U.S. Citizens Ineligible for SBA Loans in 2025
It all begins with an idea.
New SBA Equity Injection Rules
As of June 1, 2025, SBA loans for startups and changes of ownership will require a minimum 10% equity injection of total project costs. While the SBA made significant changes it allows for exceptions for business expansion.
Top 10 Banks for Franchise Loans Over the Last 10 Years
It all begins with an idea.
Business Loan Credit Scores: What to Know in 2025
It all begins with an idea.
Most Business Borrowers Initially Contact Low Probability Lenders
Small business owners often start their SBA loan journey by reaching out to the lender least likely to approve their application. It’s a systemic issue nationwide: selecting the right SBA lender is a challenge many entrepreneurs don’t even realize they’re facing.
Are You Too Big for an SBA Loan? Not Likely.
The SBA loan program is a popular option for small businesses seeking funding for growth and expansion. But there is a catch: your business must meet size requirements to qualify. We’ll explain the SBA's size standards and how they apply to you.
SBA Lending to Existing Businesses > 2 Years Old
FY 2024 SBA Lending Statistics
It all begins with an idea.
Top Franchise Brands for SBA Startup Loans in 2024
Ideal Business Buyer Traits Sellers Should Prioritize
Selling a business is a significant decision, and selecting the right buyer is critical to ensuring a smooth transition, protecting your business legacy, and maximizing your return. Below are the key traits and characteristics every small business owner should evaluate when considering potential buyers:
Out-of-State Banks Dominate SBA Lending
72% of funded SBA 7(a) loans over the last year (FY 2024) were funded by out of state lenders. Out of state lenders were responsible for even a higher percentage of franchise lending with 81% funded franchise SBA loans.