SBA
What an SBA 7(a) application really needs
Most delays come from three missing documents. Here is the short list.
· 1 min read
Business loans without the fine-print surprises
Small-business loans with plain terms: SBA, equipment, working capital and bridge financing.
Loan options
Tell us about your plans and we’ll follow up with clear options and a rate quote. No cost, no obligation.
- Replies within 1 business day
- Serving North Carolina, South Carolina and Virginia
- SBA 7(a) loans45 to 90 daysUp to $5 million for working capital, equipment, real estate or buying a business. Longer terms, lower payments.Get a rate quote for SBA 7(a) loans
- Equipment financing1 to 2 weeksTrucks, kitchens, machines and tech. The equipment secures the loan, so less cash goes down.Get a rate quote for Equipment financing
- Working capital line1 to 3 weeksA revolving line you draw on when you need it and pay interest only on what you use.Get a rate quote for Working capital line
- Commercial bridge loan2 to 4 weeksShort-term financing to buy or refinance commercial property while long-term funding comes together.Get a rate quote for Commercial bridge loan
- Merchant cash advance alternatives1 call to reviewAlready juggling advances? We compare a fixed-rate term loan against what you pay now, in dollars.Get a rate quote for Merchant cash advance alternatives
- Free funding review20 minTwenty minutes, your numbers, the options that actually fit. No credit pull for the first call.Free estimateGet a rate quote for Free funding review
Estimate your payment
Try a price, down payment and rate to see a ballpark monthly payment. Then get pre-approved for real numbers.
- Loan amount
- $360,000
- Principal & interest
- $2,275.44
- Term
- 30 years at 6.5%
Estimate only. Not a loan offer. Rates and terms vary. Doesn't include mortgage insurance or HOA dues.
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Working capital
Merchant cash advance vs. term loan: compare in dollars
Factor rates hide the real cost. Convert both offers to total dollars repaid before you choose.
· 1 min read
Small-business funding notes
One short email a month: SBA updates, rate moves and what lenders are asking for right now.
Keystone Capital Lending is a sample lender for StellaBase demos, not a real company, and the NMLS ID shown here is a placeholder.
We help owner-operated businesses compare SBA, equipment and working capital options side by side, with the full cost of each one written down before anyone signs.
What clients say
“SBA 7(a) for our second location. They told us exactly which documents mattered and the timeline held.”
Owner, HVAC contractor “Financed a canning line in two weeks. Clear payment schedule, no prepayment games.”
Owner, craft brewery “Talked us out of a merchant cash advance and into a term loan that cost a third as much.”
Co-founder, landscaping company
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- 1200 Sample Ave, Suite 400, Charlotte, NC 28202
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