Empire Merchant Group specializes in quick and hassle free SBA Loan approvals!

Banks typically issue business loans from own deposits or through the SBA loan program. Each bank has their own underwriting criteria but they are usually very conservative and require 25-30% down payment. SBA loans are partially guaranteed by the government and only requires 10% down payment. To qualify for the guarantee, the issuing bank has to comply with government underwriting guidelines. Therefore they generally require a lot of paperwork in order to apply.