SBA loans
SBA loans in Sunnyvale offer government-backed financing for small businesses through approved lenders, featuring longer repayment terms and lower down payments than conventional commercial loans. Croftbrook Lending Group brokers access to SBA 7(a) programs and other Small Business Administration products, matching your business with lenders active in Santa Clara County's competitive tech-corridor market.
SBA loans
SBA loans are partially guaranteed by the U.S. Small Business Administration, reducing lender risk and enabling more favorable terms for borrowers. The SBA doesn't lend directly; instead, approved lenders fund the loan while the SBA backs a portion. As a licensed commercial broker, Croftbrook Lending Group connects Sunnyvale businesses to SBA lenders, prepares your application package, and navigates the documentation process. The most common program, the SBA 7(a), finances working capital, equipment, real estate, and refinancing up to $5 million. Approval hinges on credit history, cash flow, collateral, and a demonstrated ability to repay.
Sunnyvale's mix of established tech firms along Mathilda Avenue and newer startups near the Caltrain station creates diverse financing needs. A software consultancy seeking office space or a precision manufacturing shop upgrading CNC equipment both fall within SBA eligibility, provided the business operates for profit, meets size standards, and exhausts reasonable alternative financing.
SBA loans
Businesses eligible for SBA loans must operate in the United States, qualify as small under SBA size standards, demonstrate reasonable owner equity investment, and show they've explored other financing before applying. The SBA small business definition varies by industry, typically measured by employee count or average annual revenue. Most Sunnyvale service companies, manufacturers, and retail operations qualify. Startups can access SBA loans for startup companies if owners bring industry experience, inject personal capital, and present a solid business plan. Nonprofits, speculative businesses, and passive real estate holding companies generally do not qualify.
Credit requirements vary by lender, but most SBA 7(a) lenders expect personal scores above 680 and a history free of recent bankruptcies or tax liens. The SBA business administration reviews each application for eligibility, while the lender evaluates creditworthiness and repayment capacity.
SBA loans
SBA 7(a) funds support working capital, inventory purchases, furniture and fixtures, machinery, commercial real estate acquisition, leasehold improvements, and debt refinancing. A Sunnyvale biotech supplier might use an SBA business loan to buy lab equipment and cover six months of payroll during a product launch. A family restaurant on El Camino Real could finance a kitchen remodel and consolidate high-interest credit cards into a single term loan. Commercial real estate purchases also qualify, provided the business occupies at least 51 percent of the property.
The SBA prohibits loan proceeds for passive investments, lending to others, or repaying delinquent taxes owed to the government. Croftbrook evaluates your intended use during the initial consultation to confirm SBA eligibility before engaging lenders.
How it works
Applying begins with a consultation at our Santa Clara office, 2060 Walsh Ave, Santa Clara, CA 95050, Sunnyvale, CA, or by phone at (408) 359-8343. We gather financial statements, tax returns, a business plan, and personal background documents. Next, we package your file and submit it to SBA lenders in our network who serve Mountain View, Cupertino, and surrounding cities. The lender underwrites the loan, and the SBA reviews the guarantee request. Once approved, closing typically occurs within 60 to 90 days, faster than many applicants expect when brokers pre-qualify and organize documents.
Because Croftbrook works with multiple SBA 7 a lender institutions, we can pivot if one declines or if another offers a quicker closing timeline. Brokers do not charge borrowers application fees; lender fees and SBA guarantee fees apply at closing and are disclosed in advance.
SBA loans
SBA loans take longer to close than a simple business line of credit but offer substantially better terms for larger capital needs. A conventional bank loan might close in three weeks but require 25 percent down and a five-year balloon. An SBA 7(a) loan stretches repayment to ten years for working capital or 25 years for real estate, and down payments start at ten percent. The trade-off is documentation: the SBA requires detailed financials, projections, and personal history. Croftbrook accelerates the process by organizing your file correctly the first time, reducing back-and-forth with underwriters.
For businesses near the Lockheed Martin campus or along Tasman Drive, where lease rates and operating costs run high, longer amortization and lower monthly payments preserve cash flow for hiring and growth.
Consider a precision-machining shop near Lawrence Expressway that landed a multi-year contract with an aerospace supplier. The owner needed $800,000 to purchase two five-axis mills and expand the facility. Conventional lenders offered short terms and high down payments. Through Croftbrook, the business secured an SBA 7(a) loan with a ten-year term, freeing monthly cash flow to hire two machinists and meet delivery schedules. The SBA guarantee made the deal viable for the lender, and the broker's preparation shortened approval time.
Related programs
Serving the Sunnyvale area
We know which lenders fund which kinds of Sunnyvale businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
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