NAICS Codes Explained: How Your 6-Digit Industry Code Decides Your SBA Size Standard
Your NAICS code picks the SBA size standard you are judged against — wrong code, wrong yardstick, lost loans and set-asides.
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Sba Loans
SBA loan programs, requirements, and applications
SBA Microloans, Explained: How to Borrow Up to $50,000 When Banks Say Your Loan Is Too Small
SBA Microloans lend up to $50,000 through nonprofit intermediaries at 8–13% — the average loan is about $13,000, and free business coaching comes with it.
SBA Export Loans Explained: Export Express, Export Working Capital, and International Trade Loans
Export Express lends to $500,000, EWCP and International Trade Loans to $5 million — all with a 90% SBA guaranty. Match the program to your order.
SBA CAPLines Explained: How Seasonal, Contract, Builders, and Working Capital Lines Fund Short-Term Needs Up to $5 Million
SBA CAPLines are 7(a) credit lines up to $5M in four types — Seasonal, Contract, Builders, Working Capital — with 10-year terms and prime-based rates.
Business Credit Scores Explained: D&B Paydex vs. Experian vs. FICO SBSS and How to Build From Zero
D&B Paydex grades payment speed 1–100, Experian forecasts delinquency risk, and FICO SBSS gates SBA loans at 155 — build all three from zero.
Due Diligence Checklist for Buying an Existing Business: Quality of Earnings, Working Capital, and SBA 7(a) Requirements
SBA 7(a) acquisition loans now need 1.25x coverage and a QoE above $3M — verify earnings, peg working capital, and diligence tax before you close.
SBA 7(a) Working Capital Pilot: How Asset-Based and Transaction-Based Lines of Credit Change Your Borrowing-Base Records and Cash-Flow Planning
SBA's Working Capital Pilot offers 7(a) lines up to $5M — asset- or transaction-based — with borrowing-base certificates setting availability.
USDA Business and Industry Loans: How Rural Businesses Borrow Up to $25 Million Through Local Lenders
USDA's B&I program guarantees up to 80% of rural business loans to $25 million with 30-year terms. Here is who qualifies and how to apply.
You Paid Off the Loan but the UCC-1 Is Still on File: Getting the UCC-3 Termination That Clears Your Collateral
A paid-off loan leaves its UCC-1 live until the lender files a UCC-3 — demand it in writing and the 20-day release clock starts.
Buying an Existing Franchise Instead of Building One: Transfer Fees, Approvals, and the Lease Clause That Can Kill the Deal
A franchise resale needs franchisor approval, a transfer fee, and a lease assignment to close — verify all three plus the seller's numbers before you sign.
Can't Make Your Loan Payments? How Business Loan Forbearance Works (and What It Costs You)
Business loan forbearance pauses payments for 3–6 months, but interest accrues and skipped amounts come due after — ask your lender before you miss one.
Business Line of Credit vs. Term Loan: How to Choose the Right Financing in 2026
A line of credit charges interest only on what you draw; a term loan charges it on the full sum from day one. Use lines for cash gaps, loans for assets.