SBA loans, minus the
paperwork nightmare.
The lowest-cost capital your business can qualify for — up to $5 million, with long terms and low payments. We package your file so it actually gets approved. Start with an estimate; no credit pull.
Estimate only, for illustration. Actual SBA rates, terms, and eligibility are set by the lender. Checking eligibility won't affect your credit.
We package and place across
Why an SBA loan
Bank-quality terms, for businesses banks usually pass on.
An SBA loan is a regular bank loan with a government guarantee behind part of it. That guarantee is why lenders offer longer terms, smaller down payments, and rates a small business can't get on a conventional loan.
The trade-off is process. SBA files are detailed and the eligibility rules are specific — a thin or mis-packaged application is the number-one reason good deals get declined. That's the part we own for you.
- Lower monthly payments — terms stretched up to 25 years.
- As little as 10% down on many projects.
- Borderline files repackaged into fundable ones.
"Our bank had sat on it for two months."
We were buying out a retiring partner and our own bank kept asking for the same documents. Keystone repackaged the file, moved it to an SBA lender that wanted the deal, and we closed in weeks.
Partner buyout · $1.8M SBA 7(a)
The programs
Which SBA loan fits your plan.
SBA 7(a)
Up to $5M
Working capital, business acquisition, partner buyouts, debt refinance, or expansion. Terms up to 10 years (25 with real estate).
SBA 504
Up to $5.5M
Owner-occupied commercial real estate and major equipment. Long fixed-style terms and as little as 10% down.
SBA Microloan
Up to $50k
Right-sized first financing for newer or smaller businesses — inventory, equipment, or working capital.
We'll tell you
$0 to ask
Tell us your goal and we'll point you to the right program — if any fits — before you fill out a full application.
How it works
Three steps from estimate to funded.
Check eligibility
A short application tells us about the business and your goal. No credit pull, no fee, no obligation.
We package the file
An advisor builds your SBA package, clears anything that would slow underwriting, and matches you to the right SBA lender.
Close & fund
You review the lender's actual terms — rate, fees, covenants — with full transparency, then close. We stay on it through funding.
Do you qualify
Most healthy small businesses are closer than they think.
SBA eligibility is broader than people expect. The clearest signals a deal is fundable:
- A for-profit U.S. business, owner-operated.
- Generally 2+ years operating (strong acquisitions and startups can work too).
- Reasonable owner credit; no recent bankruptcies or federal debt defaults.
- A clear, legitimate use of funds — purchase, expand, refinance, equip.
- Cash flow that can service the payment.
"We finally own the building."
Our rent kept climbing. A 504 let us buy our space with 10% down at a payment close to what we were renting for. Keystone ran the numbers before we committed to anything.
Owner-occupied real estate · $2.3M SBA 504
SBA loan FAQ
Straight answers before you apply.
Is Keystone a lender?
No. We're an SBA advisory and packaging firm — not a lender, and not affiliated with the U.S. Small Business Administration. We prepare your file and match you to SBA-approved lenders. You always see the lender's actual terms.
What does it cost to apply?
Nothing up front. Checking eligibility and packaging your file is free, and there's no credit pull at intake. We'll be clear about any costs before you ever commit to a loan.
How long does an SBA loan take?
It varies with the program and how clean the file is. Well-packaged 7(a) deals often move in a matter of weeks; 504 real-estate deals can take longer. Packaging is the biggest lever on speed — which is exactly what we handle.
How much can I borrow, and at what rate?
Up to $5M on a 7(a) and $5.5M on a 504. SBA rates are among the lowest available to small business and are set by the lender within SBA limits. The estimator above is illustrative only.
Can I use an SBA loan to buy a business?
Yes — business acquisition and partner buyouts are among the most common uses of a 7(a) loan. Tell us about the deal in the eligibility check and we'll tell you how it looks.
Find out what you qualify for.
The eligibility check is short and won't touch your credit. If an SBA loan fits, we'll start packaging it. If it doesn't, we'll tell you what does.