Financing

SBA loans for serious, long term growth

SBA loans pair private lender capital with a partial federal guarantee. That guarantee lowers risk for the lender, which opens the door to longer terms and competitive pricing for you. For many established businesses, this is the most cost effective way to fund a major step such as a real estate purchase, an acquisition, or a large expansion.

Overview

A smarter structure for major moves

Kairos Equities helps you identify the right program, prepare a lender ready package, and match your file to banks and SBA preferred lenders that actively fund deals like yours. We manage the process from the first conversation to funding so you can keep running your business.

Common uses

Commercial real estateBusiness acquisitionExpansion and build outEquipmentDebt refinancePartner buyout
Kairos Equities is an independent financing advisory and brokerage firm. We are not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration or any government agency.
Process

How it works

Discovery

We learn your goals, timeline, and how the capital will be deployed.

Package

We assemble a complete, lender ready file that tells your story with numbers.

Placement

We match your deal to SBA preferred lenders and manage underwriting.

Funding

You close and draw funds, with our team coordinating every milestone.

What to expect

Structure and terms

Illustrative overview. Actual amounts, rates, and terms vary by lender and borrower profile.
ProgramsSBA 7(a) and SBA 504
Loan amounts7(a) up to $5 million, 504 up to $5.5 million for the SBA portion
Typical termsUp to 10 years for working capital and equipment, up to 25 years for commercial real estate
Use of fundsReal estate, acquisition, expansion, equipment, refinance, and working capital
RatesCompetitive and market based, varying by program, lender, and borrower profile
Figures shown are illustrative and for general information only. Final amounts, rates, and terms are determined by third party lenders based on your specific situation.
Qualification

Do you qualify?

Every lender sets its own criteria, but most strong SBA files share a few common traits.

  • An operating, for profit business based in the United States
  • Generally two or more years in operation
  • Reasonable credit history for the owners
  • Demonstrated ability to repay from business cash flow
  • Within SBA size standards for your industry
Questions

Frequently asked questions

Is Kairos Equities a bank or the SBA?
No. Kairos Equities is an independent financing advisory and brokerage firm. We are not a lender, a bank, or a government agency, and we are not affiliated with or endorsed by the U.S. Small Business Administration. We help you prepare your file and connect you with third party lenders.
How long does an SBA loan take?
Timelines vary by lender and program. A straightforward request can move in a matter of weeks once your documentation is complete, while real estate transactions often take longer. We work to keep your file moving and set clear expectations up front.
What can SBA financing be used for?
Common uses include purchasing commercial real estate, acquiring a business, funding expansion, buying equipment, refinancing qualifying debt, and supporting working capital. We help you confirm eligibility for your specific use of funds.
What will I need to provide?
Most files include business and personal financial statements, recent returns, a debt schedule, and details on how the funds will be used. We give you a clear checklist so nothing slows the process.

Explore sba loans

Tell us about your business and goals, and we will help you find and secure the right financing.

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