BRT Financial is a nationally recognized company helping entrepreneurs achieve their business goals. We are a Preferred Financial services company and have loans processed more quickly and efficiently than many others.

There are Number of Advantages to an SBA loan, including Longer Terms, No Points and No Balloon payments.

Who is Eligible for an SBA Loan? • Self-Assessment Test

Most For-Profit Small Businesses are Eligible for an SBA Guaranteed Loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.

Eligibility Test-Quiz

Loan Qualifications

• Retail and Service businesses with Sales (3-year average) not exceeding $6 million to $29 million, depending on the industry.

• Wholesale businesses with employees up to 100 regardless of sales volume.

• Manufacturers with employees up to 500 depending on the industry, regardless of sales volume.


SBA 7(A) Loan Program 7(A) Information


SBA (504) CDC Loan Program 504 Information


Use of Proceeds:

• Commercial Real Estate (Purchases, Construction, or Refinance)
• Leasehold Improvements
• Business Expansions
• Machinery, Equipment, Furniture or Fixtures
• Business Acquisition
• Working Capital (offered in conjunction with some of the above)
• Start-Ups (ALL Franchises, Motels, Restaurants, Gas Stations and C-Stores)
• Other Credits Considerations

Underwriting Criteria:

• Business must have adequate historic cash flow to cover the proposed debt
• Business debt to net worth must meet industry averages
• Borrowers must be actively involved in the day-to-day operation of the business
• Satisfactory Personal Credit histories are required for all principles and guarantors
• No Past Bankruptcies or Felony Arrests!

For More Personal Credit Information

Contact BRT Financial The SBA Loan Packaging Professionals Today about the SBA Loan Programs and other Services.