SBA, Income Property, and additional financing solutions.

Tailored funding strategies to grow your business and investments.

Our Services

SBA Financing Services

We help small businesses access SBA loans by guiding you through the application process and preparing lender-ready packages.

Income Property Financing

We work with real estate investors to secure financing for office, retail, industrial, self-storage, and multifamily properties nationwide.

Owner-User Financing

We assist business owners in purchasing or refinancing their commercial real estate with competitive conventional loan options.

SBA Loan Programs

The Small Business Administration (SBA) serves as the primary resource for government-backed business loans. Because a portion of an SBA loan is guaranteed by the government, these loans allow small business owners to obtain capital with less equity than conventional loans require.

  • The most common SBA loan, the 7(a), offers flexibility in terms and uses. It's a great option for acquisitions, partner buyouts, real estate purchases, and refinancing.

    • Up to 90% bank financing or higher

    • Fully amortized (no balloon payments)

    • Loan amounts up to $5 million

  • The 504 loan is ideal for purchasing commercial real estate, improving existing real estate, or acquiring large equipment.

    • Low down payment (typically 10%) conserves cash

    • Fixed or floating interest rates available

    • Loan amounts up to $15 million

Loan Sizes from $500,000 to $500,000,000

Serving All 50 States

Non-Recourse Options

Quick Closings

General Underwriting Guidelines

To pre-qualify for SBA financing, the following general underwriting criteria must be met:

Industry Experience:

  • Minimum of 2 years

Credit History:

  • Applicants must have good personal credit

Existing Businesses:

  • Must show a Debt Coverage Ratio (DCR) of 1.15x for the most recent tax year and the current year

Financial Performance:

  • Revenues and cash flow should be stable or improving

Down Payment Requirements:

  • 10% for Real Estate Purchases

  • 10% for Business Acquisitions

  • 0% for Partner Buyouts

  • 0% for Refinances

Why Choose Evergreen Financial?

1

We assist in presenting your business or project to lenders in the most effective way.

2

When appropriate, we help prepare financial projections in lender-preferred formats.

3

We advise in areas such as risk planning, revenue growth, tax strategies, and cash flow.

4

We persist in pursuing financing until all potential sources are exhausted.

5

We avoid wasting time with lenders who aren’t a fit for your financing needs.

6

You’re not limited to a single loan offer, and we help maximize loan benefits.

7

We guide you through the pros and cons of different financing options.

8

We are deeply loyal to our clients and committed to helping you close deals.

Connect with an Evergreen Financial Financing Expert

Talk to a real advisor—wherever you are. We offer personalized guidance and access to a wide network of commercial lenders across the U.S.