A Safe Harbor for
Reliable Small
Business Loans
Welcome to Port 51 Lending
Port 51 Lending, a top non-bank SBA Preferred Lender, combines the expertise of a highly experienced group of lending professionals and an in-house legal team to deliver certainty in every transaction. We offer loan solutions that are tailored to meet the unique needs of each borrower and our common-sense approach to underwriting ensures a smooth process from start to finish. With a commitment to efficiency and transparency, Port 51 Lending provides a seamless lending experience you can count on.
SBA 7(a) Loan Overview
What is an SBA 7(a) loan?
- Business Loans up to $5 million
- Flexible equity requirements
- Cash flow focused
- Expansive use of proceeds
Eligibility Requirements
- Business must operate for profit and be in good standing
- Personal guarantee required
- Business must be located in the US
Rates
- Variable, adjusts Calendar Quarterly
- WSJP (Wall Street Journal Prime) + Spread up to 2.75%
Terms
- 10 years
- 25 years
- Blended
Prepayment Penalties
- 10-year loan term: No prepayment penalty
- 15 year or greater loan term(Real Estate): 5%/3%/1% prepayment penalty over a 3-year term
Fully Amortizing Loans
- Loans are paid in full through regular payments that cover the interest and principal.
Discover the Potential of SBA 7(a) Loans
Loan amounts up to $5,000,000 can be used for:
Business Acquisitions / Management or Partner Buyouts
Acquiring, refinancing, or improving commercial real estate
Working Capital
Business Debt Refinance
Equipment and Machinery Purchases
Construction
Why Port 51 Lending for SBA 7(a) loans?
Port 51 Lending differentiates itself from the competition with transparent communication, understanding client needs and goals, while delivering an end result to exceed expectations.
Fast Loan Processing
We use technology to streamline tasks and processes, speeding up turnaround times.
Specialized Loan Programs
Our programs and the expertise of our lending professionals can be tailored to support many industries and needs including: Gas Stations, Convenience Stores, Assisted Living Facilities, Medical Offices (including veterinary and dentistry), Transportation, Franchises, Car Washes and Childcare Facilities.
Flexible Credit Philosophy
Our credit philosophy adapts to the ever-changing economic environment, continuously evolving to ensure it meets our borrowers’ unique needs and goals.
Leading the Market
We offer SBA 7(a) loans with terms up to 25 years, designed to boost your cash flow and help your business thrive. Our expertise, combined with a market-leading approach, ensures an efficient loan experience tailored to your needs.
Ready to start your journey?
Explore your SBA 7(a) loan opportunities by utilizing dynamic tools tailored to your situation
