Guías claras de préstamos
Lecturas concisas que explican cómo funcionan los préstamos SBA, con contexto útil para conversar con prestamistas y sin cotizaciones de tasas ni pagos. Cada guía termina con las herramientas gratuitas para ponerla en práctica.
Solo educativas. Verifique todo contra las reglas vigentes de la SBA y las políticas de su prestamista.
Por ahora estas guías están disponibles en inglés. Las versiones en español vienen en camino.
¿Comparando opciones de préstamo SBA?
Comparaciones lado a lado de las rutas que los prestamistas más discuten: 7(a) frente a 504, Express frente a 7(a) estándar, financiamiento de equipos frente a SBA, y SBA frente a préstamos convencionales.
Ver las comparaciones →SBA 7(a) vs 504 — a clear comparison
The two big SBA loan programs, explained side by side — what each one is for, how the money is structured, and how to tell which conversation to start with a lender.
Leer la guía →What lenders look at before saying yes
The handful of questions behind every business loan decision — cash flow, credit, collateral, equity, and character — and what you can do about each one before you apply.
Leer la guía →Declined by a bank — what to fix and try next
A decline is information, not a verdict. How to find out why, which problems are fixable, and which lenders and programs to consider talking to next.
Leer la guía →How much down payment an SBA loan really needs
The 10% rule for startups and acquisitions, how 504 contributions climb for new businesses and special-purpose buildings, what counts as your injection, and how lenders verify it.
Leer la guía →Buying a business with an SBA loan
How SBA acquisition financing actually works — the 10% injection, seller notes on standby, the 1.25x cash-flow coverage minimum arriving October 2026, valuations, due diligence on the seller's numbers, and the transition story lenders need to believe.
Leer la guía →SBA microloans for very small requests
When the need is $50,000 or less, the microloan program and community lenders are built for you — smaller checks, friendlier screens, and coaching that comes with the money.
Leer la guía →The documents lenders ask for and why
The loan file, explained by purpose instead of by checklist — what each cluster of documents proves, which ones take longest, and how to gather them without drowning.
Leer la guía →Business plans lenders actually read
What loan underwriters really do with your business plan, the sections that carry weight, the length nobody needs, and how to write clearly for a skeptical reader.
Leer la guía →Free help — SBDC, SCORE, WBC, VBOC explained
Four national networks will help you prepare a loan file, review your plan, and talk through your options at no cost. Who each one serves and how to actually use them.
Leer la guía →How this site protects your privacy
Loan preparation involves sensitive information. Learn how browser-first calculations, optional verified accounts, private workspaces, and strict data limits protect program users.
Leer la guía →Market research lenders believe
How to swap "the market is huge" for numbers a skeptical underwriter can check — a defined trade area, free official data with a named source and year, and a modest share claim.
Leer la guía →How lenders decide — and where SBA fits
The five Cs every lender weighs, how a bank's own credit box relates to an SBA-backed loan, and the questions worth asking a banker before you apply.
Leer la guía →Business credit basics
Your business has a credit file of its own — who keeps it, what personal and business credit each tell a lender, and the next steps that build a file worth showing.
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