SBA Capital

SBA Capital SBA-Capital offers SBA loans to business owners nationwide. Creating CUSTOM FINANCING SOLUTIONS for borrowers is my passion.

As a Dallas, Texas based company, our lending team has been providing quality service for our customers since 1982 It may be welcoming the first overnight hotel guest to a newly designed and furnished room (made possible with our FF&E loan), a ground-up hotel construction loan, or a carwash running the first car through its tunnel, I get a thrill of satisfaction knowing that SBA-Capital helped to

make it happen! Business Development is in my blood and my entire career has been centered around owning and operating my own business. Upon graduating from college, I started a construction and land development company. We converted land that appeared to have little purpose into planned communities, housing thousands. My company was a borrower for many years as we were developing and constructing “planned residential communities” and commercial projects. Because of my experience a group ask me to join them in 1982 to apply for a Pavillion Bank Charter. My position changed from a borrower to a borrow and lender. In 2008, after retiring from my developing and constructing company, my focus has been 100% devoted to lending. SBA lending has become my favorite over the past few years due to all the befits my borrowers receive from SBA Guaranteed loans. It is not uncommon to secure a SBA Ground up hotel construction loan or a loan to purchase an existing hotel, and simultaneously secure a FF&E loan (Furniture, Fixture, & Equipment) for the same borrowers five-year-old hotel. Additional paper work is involved for SBA but, once you understand the requirements, the extra work we do for our customers provides them with a much superior loan. Anything we can do to give our borrowers an edge supports my personal slogan
“Business Financing is what I do – Creating custom solutions is who I am”.

Volatile interest rates are manageable if you know your numbers before you sign.Here's what we run on every deal before ...
08/30/2026

Volatile interest rates are manageable if you know your numbers before you sign.

Here's what we run on every deal before making a recommendation: a stress test on your current and future loans, a full EBITDA analysis with debt coverage ratio, and a blended rate comparison across loan structures.

Then we tell you which structure actually fits — not which one is easiest to close.

All of it is free, and it takes 48 hours.

What's the one number you wish you'd understood better before your last loan closed? Text me at (214) 726-9000.

Reducing your debt service cost is usually the fastest way to improve cash flow without changing anything about how the ...
08/26/2026

Reducing your debt service cost is usually the fastest way to improve cash flow without changing anything about how the business operates.

An SBA 504 refinance can lower the payment, extend the term to 25 years, and lock the rate.

It works for purchase, cash-out, and expansion. Most for-profit businesses are eligible.

What would an extra $5,000 a month in cash flow let you do in your business? Text (214) 726-9000 and I'll run the numbers for free.

If you're carrying an SBA 7(a) loan on a variable rate, you may be able to refinance it into a 504 debenture with a fixe...
08/22/2026

If you're carrying an SBA 7(a) loan on a variable rate, you may be able to refinance it into a 504 debenture with a fixed rate for 25 years.

The 504 can also wrap in renovation, expansion, or a cash-out at the same time.

Anyone here refinanced a 7(a) into a 504? Curious how common it is. If you're considering it, text me at (214) 726-9000 for a blended rate quote.

The SBA 504 debenture carries a fixed rate for 25 years.It covers purchase, refinance, renovation, expansion, cash-out, ...
08/19/2026

The SBA 504 debenture carries a fixed rate for 25 years.

It covers purchase, refinance, renovation, expansion, cash-out, and ground-up construction. Loans to $15M and up to $40M on green construction projects.

Most for-profit businesses qualify. We pre-qualify you in 48 hours and give you a blended rate across the bank and CDC portions so you can see the real cost.



What's your current rate structure, fixed or variable?
Text me at (214) 726-9000 and I'll show you the comparison.

We closed two $5M SBA 504 business loans for the same borrower — in the same year. Both were on leased land.SBA financin...
08/17/2026

We closed two $5M SBA 504 business loans for the same borrower — in the same year. Both were on leased land.

SBA financing on leased land is structured differently — but $5M each is proof it can be done at scale.

If you've been told SBA financing isn't possible because you lease rather than own, it's worth a second opinion.

What questions do you have about how SBA financing works on leased property? Drop them below.

Text (214) 726-9000 or email [email protected].

Selling your business doesn't have to mean walking away from everything you built.With the right SBA structure, you can ...
08/13/2026

Selling your business doesn't have to mean walking away from everything you built.

With the right SBA structure, you can sell the business, lease your property to the new operator, cash out your equity, and remain a limited partner if you choose. The buyer gets SBA financing. You get liquidity — and ongoing income from the lease.

I've helped business owners structure exits like this for decades. The numbers usually surprise people.

If you're thinking about selling in the next 1–3 years and haven't mapped out the financing side yet, that conversation is worth having early. Text me at (214) 726-9000.

Sellers: what's the biggest thing holding you back from moving forward on a sale?

An SBA 504 refinance lets you cash out equity and remain a limited or full partner in the business.The refinance covers ...
08/11/2026

An SBA 504 refinance lets you cash out equity and remain a limited or full partner in the business.

The refinance covers 100% of existing debt plus renovation or expansion costs and the new rate is fixed for 25 years.

It's one of the most flexible structures in SBA lending and one of the least talked about.

If you're a business owner sitting on equity and wondering what your options are, text me. I'll tell you within 48 hours what the numbers look like.

(214) 726-9000 | [email protected]

Have you ever used a cash-out refinance to fund business growth? Curious how common it is among the business owners in my network.

Most business owners don't realize they can refinance 100% of their existing debt into a 25-year fixed-rate SBA 504 debe...
08/09/2026

Most business owners don't realize they can refinance 100% of their existing debt into a 25-year fixed-rate SBA 504 debenture.

No large equity injection. No balloon payment. A fixed rate locked for 25 years — on a loan that retires existing variable-rate debt.

We pre-qualify you and the collateral within 48 hours and tell you exactly what the new payment looks like before you commit to anything.

Have you looked at what a 504 re-fi would do to your monthly payments? Text me at (214) 726-9000 and I'll run the numbers.

On a $1.9M loan, refinancing into a 25-year fixed-rate SBA 504 debenture cut the monthly payment by $3,500.That's $42,00...
08/06/2026

On a $1.9M loan, refinancing into a 25-year fixed-rate SBA 504 debenture cut the monthly payment by $3,500.

That's $42,000 per year staying in the business instead of going to debt service.

Prime has averaged between 4% and 8% over the last three decades. If you're on a variable rate and betting it stays low, that's a risk worth calculating. A 25-year fixed removes that variable entirely.



Want to know what the numbers look like on your loan? I'll run a free EBITDA analysis within 48 hours. Text (214) 726-9000.

Address

Richardson, TX
75080

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