Services / SBA loans
SBA Loan Advisors in Miami
SBA loans, without the guesswork.
An SBA loan can be the lowest-cost, longest-term money a small business can get. It’s also the product owners most often ask us for before they qualify. Bayside checks your file against the current SBA rules first, so you know whether SBA is realistic now, later or not at all, before you spend weeks on an application.
Expansion, equipment, real estate, refinancing bank-style debt, and buying a business.
Cash flow coverage, owner citizenship, existing advances and, for a purchase, the equity you bring.
Screen you against today’s rules, then match you with lenders whose SBA programs fit.
When it fits
When an SBA loan is the right call.
SBA 7(a) and 504 loans are made by banks and approved lenders, with part of each loan guaranteed by the U.S. Small Business Administration. The guarantee lets lenders offer longer terms than most conventional loans.
The trade is paperwork, time and a strict rulebook that changes often. That rulebook is where applications stall.
Usually a fit if:
- You need $100K or more for a specific long-term use.
- Your business shows steady cash flow on its tax returns.
- Every owner is a U.S. citizen or national.
- You aren’t carrying active MCAs you’d need the loan to pay off.
What to watch
Four SBA rules that stop applications.
Citizenship
Since March 1, 2026, every owner and required guarantor must be a U.S. citizen or national living in the U.S. A green-card holder at any ownership percentage now makes the business ineligible.
Active MCAs
An active merchant cash advance or factoring facility can’t be refinanced with a 7(a) loan. Restructuring comes first.
Cash flow coverage
Most 7(a) loans need cash flow of at least 1.10x to 1.15x the debt payments. Acquisitions need 1.25x on historical earnings, and projections don’t count.
Credit elsewhere
The lender has to document that you can’t get the same credit on reasonable terms without the SBA guarantee.
Side by side
7(a) or 504: the short version.
| SBA 7(a) | SBA 504 | |
|---|---|---|
| Maximum | $5M per loan. Since July 4, 2026, a borrower can hold up to $5M in 7(a) and $5M in 504 | $5M debenture; $5.5M for manufacturers and certain energy projects |
| Common uses | Working capital, equipment, expansion, buying a business, refinancing eligible debt | Buying, building or renovating real estate; equipment with a useful life of 10+ years |
| Not for | Refinancing active advances or factoring | Working capital, inventory, buying a business, investment real estate |
| Equity | 10% for startups and changes of ownership | 10% base; 15% for a business under two years old or a special-purpose property; 20% when both apply |
| Smaller loans | 7(a) Small: $350K or less. Express: $500K or less | — |
Sources: SBA SOP 50 10 8.1, effective October 1, 2026; sba.gov 7(a) and 504 program pages; NAGGL, 2026; Capital Source Group, June 2026. SBA rules change by notice; checked October 2026. Lenders add their own requirements.
How Bayside works
Advice first. Then the funding.
Tell us what the money is for
A short call about your business, your goal and your timeline. Then a short application and your last 3–4 months of business bank statements.
Get your Capital Strategy Report
Every option you actually qualify for, the real cost of each, and a straight recommendation. In 24–48 hours, with no obligation.
Choose, and we take it from there
We match your file to lenders whose requirements fit it, help structure the deal, support you through funding, and stay in touch after it closes.
Related services
Compare it with.
Bank and SBA readiness
Get to bank and SBA terms on a plan, not on hope.
Explore bank and SBA readiness →02Acquisition financing
Buy a business, a location or a partner’s share on terms it can carry.
Explore acquisition financing →03MCA consolidation
Get out from under daily MCA payments, with a real total cost and a way back to bank terms.
Explore MCA consolidation →Guides on this topic
The first deal is supposed to make the second one possible.
Bayside Business Advisors
Questions
Straight answers.
Is Bayside an SBA lender?
No. SBA loans are made by banks and approved lenders. Bayside is a capital advisor: we screen your file against the current rules, prepare it, and match it to lenders whose SBA programs fit.
What credit score do I need for an SBA loan?
The SBA itself doesn’t set a minimum score, and the credit screen it used for 7(a) Small loans ended on March 1, 2026. Each lender applies its own credit standards, which is why matching you to the right lender matters.
Can I use an SBA loan to pay off my MCAs?
Not while they’re active. Under current rules, active MCAs can’t be refinanced with a 7(a) loan. The usual path is to restructure them first, then make SBA the next move.
How long does an SBA loan take?
Longer than most alternatives. The application, the lender’s underwriting and the SBA’s own rules all take time, and incomplete files take longer. We’ll tell you up front whether your timeline fits an SBA loan or needs a bridge.
Bayside Business Advisors is a capital advisor and commercial finance broker, not a lender. Every approval, amount, rate and term is set by the lender.
Find out what you actually qualify for.
Start with a short conversation and a look at your recent bank statements. Your Capital Strategy Report shows every option you qualify for and what each really costs.
No obligation. No hard credit pull to see your initial options.
Bayside Business Advisors LLC Copyright © | All Rights Reserved 2026
Bayside Business Advisors is a commercial finance brokerage and capital advisory firm based in Miami, Florida; not a direct lender. We help established businesses across South Florida explore commercial financing through a network of independent funding partners. Funding approvals, amounts, rates, and timelines are subject to lender review and qualification. Results described on this page are not guaranteed and may vary based on individual business circumstances, creditworthiness, and lender requirements. Bayside Business Advisors LLC does not charge upfront fees. All funding is subject to underwriting and lender approval. This page does not constitute a commitment to lend.