Small Business Lending. Streamlined. Simplified.
SCG is pleased to offer SBA & USDA loans from one of the largest privately held alternative lending organizations in the Western United States. Our term loans fill an important niche in the capital market for growth companies positioned between startup equity and traditional C&I bank financing. Our capital provider is unique in that, being a non-bank, it doesn't have a long list of disabling banking rules it places on top of the SBA's Standard Operating Procedure Manual (SOP). In fact, it has no such rule book. Consequently, it can stretch the SBA/USDA's program to its available limit and provide capital to companies who otherwise may not qualify for SBA financing through a traditional bank.
An additional edge come from its common sense approach to underwriting. It routinely underwrites based on a company's financial projections versus its historical cash-flow enabling it to break free from the constraints placed on most deals by banking credit departments. It is also comfortable stretching amortizations out to as much as thirty years to give the borrower more cash flow to grow their business. The result?
More funded projects.
More capital in the hands of business owners.
More Opportunity.
Niche
Where Banks May Be Challenged
Underserved Markets
New Companies
Debt Restructuring
What We Like
Growth Companies
Acquisitions
Unique/Remote Assets/Operation
Rapidly Expanding Companies
Terms
$250,000 to $10,000,000
10-30 Year Term Fully Amortizing
Floating Rates Starting at Prime +2.25%
Projection Based Underwriting
Lending Footprint
Nationwide
Loan Scenarios
Working Capital for Expansion/Growth
Refinance Existing Debt
Changes of Control/Ownership
Borrowers with Credit/Collateral Issues
