frequently asked questions
Got questions? Right this way.
Explore common questions about SBA-loan readiness and how SBARail helps prepare you for funding. If your question isn’t listed, contact our team and we’ll respond within one business day.
“SBA-ready” means your business has met key lender and SBA requirements — including financial statements, credit profile, business plan, collateral/capital capacity, and loan purpose. A readiness review helps identify gaps and gives you a clear action plan before you apply.
We assist with the most common SBA-guaranteed loan types: the 7(a) loan (working capital, acquisitions), the 504 loan (real estate & equipment), and the Microloan (smaller loan amounts). We’ll help you determine which program fits your business goals and guide you accordingly.
Depending on your business size, industry complexity and current documentation, preparation typically takes 2-4 weeks. Once your file is lender-ready, submission and underwriting timelines are largely determined by the lender.
No consulting or brokerage firm can guarantee SBA loan approval. What SBARail does guarantee is that we’ll prepare your application so it meets lender expectations, thereby improving your odds of approval and reducing delays.
We operate on a transparent, fixed-fee basis for our services. You’ll receive a clear service agreement detailing scope, deliverables and timelines before you begin.
Yes — we work virtually with clients nationwide. Our team has experience across manufacturing, e-commerce, hospitality, healthcare, contracting and other sectors. We tailor our approach to your industry and funding needs.