The US government backs small business unsecured loans with some benefits and limitations. SBA loans often take longer and sometimes a down payment is required on startups.

SBA Express Program*

- Articles of Incorporation, 3 Years in Business
- If proprietorship, oldest Schedule "C" of tax return
- 4 months of most recent business bank statements
- 4 months of most recent personal bank statements
- Description of your services on your letterhead
- Last 2 years Business Tax Returns
- Last 2 years Personal Tax Returns
- PFS (personal financial statement)
* Start-ups fall under a different category (call us)