Direct SBA Lender for Small Business Owners Nationwide

Specializing in SBA 7(a) loans secured by business assets and commercial real estate.

Our team is comprised of industry leaders with a combined 100 years of experience in banking and lending. We’re a full-service, independent commercial bank with nationwide SBA lending capability. Our business model is relationship driven and focused on providing a total solution to loan sourcing, funding, SBA outsourcing and consulting.

OUR COMPETITIVE ADVANTAGE

  • Personalized Approach to Deal and Client Management
  • Deal Structure Flexibility
  • Efficient Execution
  • Flexible Loan Pricing
  • Reasonable Credit Box
  • Competitive Referral Fees for Brokers
Property Geographic Area Details
Nationwide - all 50 states
Loan Amounts
$500,000 to $5,000,000
Interest Rates
3.25% to 6%
Loan Terms
36 months to 300 months
Lien Position
1st
Collateral Types
  • Commercial Property
  • Business
Loan Purpose
  • Improve Subject Property
  • Invest in a Business
  • Business Working Capital
Property Occupancy
  • Owner Occupied Commercial

SBA 7(a) Loan Program

USE OF PROCEEDS

  • Business Acquisition
  • Business Expansions
  • Start-up Financing
  • Partner Buyouts

REQUIREMENTS
Credit decision based on quantitative and qualitative factors.

  • Experience: 3-5 Years preferred
  • Cash Flow: Minimum DSCR of 1.15x.  Projections based financing available
  • Credit:  700+ FICO with no major credit issues
  • Injection: Business acquisitions 10% to 25%; 100% Financing on purchase of real estate
  • Collateral:  Must meet SBA guidelines; LTV of 100%+ available
  • Personal Net Worth:  No set requirements but typically greater than 30% of loan request
  • Liquidity:  Greater than 6+ months of payments
  • Outside Income:  No requirement but considered in global cash flow analysis.

Property Types

  • Adult Day Care
  • Agricultural
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Car Wash
  • Child Day Care
  • Community Center
  • Event Center
  • Gas Station
  • Gym
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Marina
  • Mixed-Use
  • Motel
  • Office
  • Parking Lot
  • Retail
  • School
  • Sports Facility
  • Storage Facility
  • Winery

Loan Types

  • Commercial Long-Term
  • Small Business

Agribusiness Types

  • Cattle Ranch
  • Citrus Grove
  • Corn
  • Cotton
  • Dairy
  • Equestrian
  • Melons
  • Peach
  • Peanuts
  • Potatoes
  • Poultry
  • Row Crops
  • Swine
  • Tree Nuts
  • Vegetables

Business Loan Types

  • SBA Long-Term

Business Loan Purpose

  • Business Purchase
  • Startup
  • Expansion
  • Renovation

Business Types Considered

  • Retail
  • Service
  • Manufacturing
  • Distribution

Minimum Years in Business

3

Fees which are mandatory for all new borrower clients

  • Legal Fee
  • Appraisal Fee
  • Inspection Fee
  • Title Fee
  • Credit Report Fee
  • Exit Fee
  • Environmental Report Fee
  • Renovation or Construction Funds Draw Fee
  • Other Fee

Details and Requirements

Typical Closing Time (Days)

60

Fastest Closing Time (Days)

45

Payment Structure
  • Interest Only
  • Amortized
Pre Payment Penalty

yes

Step down, usually 5, 3, 2, 1
Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

no

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

Total Loan Solutions pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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Total Loan Solutions is the nation’s premier lender offering expansive financing solutions as well as loan opportunities in commercial real estate, multifamily, and SBA.  Our team of experienced, industry leaders provide you exception service in financing options from sub $1 million to large balance portfolios, with competitive rates and terms.

Year Established

2001

Office Locations

Total Loan Solutions
9116 Sunland Blvd , Sun Valley, California 91352

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

75%

Our Team

Dina Kroshkin

SVP, National Production Manager

Get In Touch

Total Loan Solutions pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$500,000

What We Do

  • SBA 7(a) Loans Nationwide
  • Owner-User Commercial Property

Not Available

  • NO Cannabis-Use Properties
  • NO Residential Investment Property

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