SBA Loans in Wolcott, CT

An SBA loan is a bank loan partially guaranteed by the Small Business Administration, which lets lenders extend larger amounts with longer terms than conventional products. The 7(a) program covers working capital, equipment, real estate, and refinancing up to $5 million. The 504 program finances owner-occupied commercial property and heavy machinery. Underwriters examine debt-service coverage, owner equity injection (typically ten percent), and whether the business operates in an eligible industry. Thrush Commercial Capital assembles the financial package, matches it to an SBA-preferred lender, and walks the file through credit committee.

We review your last two years of business tax returns, personal credit reports, and interim profit-and-loss statements before the lender sees them. If debt service looks tight, we suggest structuring part of the request as a line of credit or adjusting the equipment list. We also confirm that your collateral appraisal will satisfy the lender's loan-to-value threshold. Once we submit to an SBA lender, we track conditions, coordinate third-party reports, and keep your file moving. Our office on Highland Avenue in Waterbury is a fifteen-minute drive from Wolcott via Route 69, so in-person signings and document drop-offs stay convenient.

Call (475) 366-0904 to discuss your SBA loan scenario. Thrush Commercial Capital is a licensed commercial-loan broker at 146 Highland Ave, Waterbury, CT 06708.