Unsecured SBA Small Business Loan Application -- How it Works

BY PHONE. The easiest way: just call. The fastest way to apply for these SBA small business loans is to simply give us a call. It takes about five minutes to go over the procedures (925-899-8449—if long distance, we will call you back). After talking with us, you can then do the online application in approximately fifteen minutes.

ONLINE. Before you begin, please call us. Many people have questions about the SBA Loan Program before they begin. We would be happy to answer your questions, but most importantly, we can help expedite the process. Alternatively, you can call us while you are filling out the online application.

Also, if you would like someone to review your credit report confidentially to give a rough idea of your chances, simply pull out a copy of your report (within the last 90 days) or if you do not have one, go to www.freecreditreport.com. You will be able to receive the report online in a matter of minutes. You have to use your credit card, but when done, you can opt out of the system and cannot be charged. Call us and we can go over the report without charge. You can also go to www.annualcreditreport.com and use the Experian report.

Step 1: Apply online. On our homepage, click: "Apply Online Now For Instant Answer" or simply click here. This is a confidential and proprietary software program that will give you a quick, tentative, and secure answer within approximately fifteen minutes. Simply follow the instructions.

Step 2: Call us and we will explain the result. We will give you an idea of what to expect, how the loan amount may vary, the factors that were included, and your chances for a higher or lower amount, including a reconsideration. To ensure privacy, only the lender reviews your credit report. However, if you have a recent copy of a report or can remember what may be showing up, we would be happy to discuss more details with you.

(925) 899-8449 or info@strategiesforsmallbusiness.com

Step 3: Send in the paperwork. Within approximately four hours, we will e-mail you the required original paperwork with detailed instructions. The forms have been specifically devised by the U.S. Small Business Administration ("SBA") to be brief and simple. The original documents will be filled out and signed, with mailing directions to the lender.

Step 4: Contact by Lender. The lender prides itself with a quick turnaround. Usually within one or two days you will be contacted and they will go over last minute paperwork to finalize the process. (It takes longer if the paperwork is not filled out correctly--so we have detailed instructions to help.)

Step 5: Funding. Once completed, the lender requests the issuance of an SBA loan number which usually takes two to three days. Once received, loan funds are typically wired by the next day and received into your account. It is not unusual for your bank to require one or two days to receive full credit. From finalization to funding usually takes seven to ten days. You are done!

FAX. If you do not have access to a computer, we can fax over a one-page application. We will go over it with you on the phone and after about five minutes, you can fax it back to us. We will then process it ourselves and get a quick answer. We will need your permission because you will be sending confident information. Although we have strict policies of confidentiality, we want you to be comfortable with the process.

To get started: Call us at: (925) 899-8449 (if long distance, we will call you back).

MAIL. We would be happy to process the application by mail, but this is the slowest method. We will mail you all the paperwork along with instructions. You need not send in a check at this point. We will then manually input the data for a decision by the next business day.

To get started: Call us at: (925) 899-8449 (if long distance, we will call you back).

Thank you for participating in the Community Express Loan Program.