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BUSINESS LOAN

Welcome to Lumica Capital – Your Premier Source for SBA Loans

Navigating the complex world of business financing can be daunting, but with Lumica Capital by your side, securing the capital you need has never been easier. We specialize in facilitating Small Business Administration (SBA) loans, including the highly sought-after SBA 7(a) and SBA 504 loan programs. Our goal is to empower your business with the financial tools it needs to thrive and grow.

SBA Loans

An SBA loan is a government small-business loan that can help cover startup costs, expansions, real estate purchases and more. This type of financing is issued by a lender such as a bank, but backed by the federal government. Lumica Capital can facilitate SBA 7(a) and SBA 504 loans. The 7(a) loan program, SBA’s most common loan program, includes financial help for small businesses with special requirements. This is the best option when real estate is part of a business purchase, but it can also be used for short- and long-term working capital, refinancing current business debt, or purchasing furniture, fixtures, and supplies. The 504 loan program can be used for a range of assets that promote business growth and job creation. These include the purchase or construction of existing buildings or land, new facilities, long-term machinery and equipment, or the improvement or modernization of land, streets, utilities, parking lots and landscaping existing facilities.  

Lumica Capital is internal to two PLP SBA banks which gives us a greater advantage in providing SBA loan programs for our clientele. SBA loans are typically frowned upon due to the paperwork involved and the length of time it may take to close, however we have the ability to streamline the process; producing a personable and smooth experience for the borrower.  

Key Benefits of SBA 7(a) Loans

Flexible Use of Funds

SBA 7(a) loans can be used for a wide range of purposes, including purchasing real estate, equipment, inventory, and even refinancing existing debt.

Competitive Interest Rates

Enjoy lower interest rates compared to conventional loans, making it more affordable to borrow.

Longer Repayment Terms

Benefit from extended repayment periods, typically up to 25 years for real estate and up to 10 years for other uses, easing the burden of large monthly payments.

Lower Down Payments

SBA 7(a) loans often require lower down payments, preserving your business's cash flow for other needs.

Small Business Loan

Key Benefits of SBA 504 Loans

Fixed Interest Rates

Enjoy the stability of fixed interest rates, which protect your business from fluctuating market conditions.

Long-Term Financing

SBA 504 loans offer long-term financing options, typically 10, 20, or 25 years, which can significantly improve your cash flow.

Low Down Payment

With a typical down payment of just 10%, you can conserve your capital for other business needs.

Support for Growth

Ideal for financing major projects like purchasing land, constructing new facilities, or buying heavy machinery, helping your business scale up efficiently.

Get Started Today!

Ready to take your business to the next level? Contact Lumica Capital today to learn more about our SBA 7(a) and SBA 504 loan programs. Our team is here to help you unlock new opportunities and achieve your business goals.