SBA Loans

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"Let Pennington Consulting Group help you choose Which SBA Financing Solution Is Right for Your Business"

Working with the U.S. Small Business Administration (SBA), Pennington Consulting Group provides government-sponsored loans for a variety of business needs. SBA loan programs offer more flexible terms than conventional loans, enabling more businesses to qualify for financing. SBA loans may be the right choice for your business if you are about to start, acquire or expand a business, purchase or renovate commercial real estate, acquire machinery or equipment, or need working capital. We'll work closely with your business to ensure that making the right loan choice is an easy one.

"Our Goal is to Help you Reach your Goal"

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Use the table below to compare features side-by-side of two or more SBA Loan types



  • Loan or Line of Credit
  • This SBA Solution Offers









  • Best For

  • Credit Amount



  • Rate



SBAExpress

  • Line of Credit or Loan
  • A streamlined loan application process to access funding for working capital to purchase land, buildings, equipment and inventory.






  • Allows buyers who may not qualify for a home loan to obtain one Low down payment.
  • Guaranteed loans for eligible veterans, active duty personnel and surviving spouses Offers competitive rates, low or no down payments.
  • Usually a fixed rate loan with relatively low payments for a fixed period.

  • Borrower pays only the interest on the loan, in monthly payments, for a fixed term.

  • Allows seniors to convert equity in their homes to cash; you don't have to pay back the loan and interest as long as you live in the house.

SBA 7 Term Loan

  • Loan
  • Longer terms on loans to fund working capital, business start-up, business acquisition and real estate.






  • The size of your loan may be limited.


  • The size of your loan may be limited.



  • After an initial period, the entire balance of the loan is due immediately This type of loan may be risky for some borrowers.
  • After an initial period, the balance of the loan is due. This could mean much higher payments, paying a lump sum or refinancing.
  • Subject to aggressive lending practices and false advertising promises, particularly by lenders that prey on seniors. Check to make sure the loan is Federally insured.y

SBA 504 Term Loan

  • Loan
  • Longer term financing loans for businesses to purchase commercial real estate or to expand their existing operations,help the local economy and create jobs;to longer term financing loans for businesses to purchase commercial real estate or to purchase machinery / equipment,help the local economy and create jobs.
  • The size of your loan may be limited.


  • The size of your loan may be limited.



  • After an initial period, the entire balance of the loan is due immediately This type of loan may be risky for some borrowers.
  • After an initial period, the balance of the loan is due. This could mean much higher payments, paying a lump sum or refinancing.
  • Subject to aggressive lending practices and false advertising promises, particularly by lenders that prey on seniors. Check to make sure the loan is Federally insured.y

SBA Patriot Express

  • Loan or Line of Credit
  • A streamlined loan application process to access funding for working capital to purchase land, buildings, equipment and inventory for veterans who are starting or growing their businesses.




  • The size of your loan may be limited.


  • The size of your loan may be limited.



  • After an initial period, the entire balance of the loan is due immediately This type of loan may be risky for some borrowers.
  • After an initial period, the balance of the loan is due. This could mean much higher payments, paying a lump sum or refinancing.
  • Subject to aggressive lending practices and false advertising promises, particularly by lenders that prey on seniors. Check to make sure the loan is Federally insured.y

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