Speed, guidance, and a clear path from pre-qualification to funding. Specialists help you package a strong request and match it with the right lender.
No obligation. A specialist will follow up. You can also call us at 800-697-9792.
Since 2009, Market Direct Capital has helped owners use SBA financing to start, buy, and grow strong businesses. Our team brings long-tenured expertise, deep lender relationships, and a repeatable process that turns a good idea into a well-positioned request. SBA loans exist to make capital more accessible, pairing competitive terms with practical flexibility for working capital, acquisitions, equipment, and real estate, so entrepreneurs can invest with confidence. We work primarily with Preferred SBA Lenders (PLP) to keep decisions moving and reduce friction on the way to closing. Explore the core programs: SBA 7(a) for versatile needs like acquisitions, working capital, and refinance; CDC/504 for long-term, fixed-rate financing on real estate and major equipment; and SBA Express for smaller, time-sensitive requests. Whatever your goal, we match the story to the right program and the right lender, so momentum builds from pre-qualification to funding.
Working capital, acquisition, partner buyout, refinance, equipment, and owner-occupied real estate.
Owner-occupied commercial real estate and major equipment with a blended structure.
Smaller requests with faster decisions for working capital and equipment.
For eligible rural businesses. Can support real estate, equipment, and working capital.
Short-term solutions that help you move now, then refinance into an SBA loan when ready.
Designed to refinance into SBA 7(a) or 504 when eligible. Subject to credit approval and collateral.
Learn moreMay be eligible for SBA refinance depending on use of funds, structure, and lender guidelines.
Learn moreSince 2009, Market Direct Capital has originated and placed SBA loans nationwide. Our edge is deep expertise in how business plans and financial projections must be built and presented for SBA underwriting. We prepare plans the way loan officers, underwriters, and credit teams expect to see them, so your story is clear and your numbers are defensible. Your business plan and projections can make or break the deal, and we treat them with that level of importance.
Executive summary, market analysis, operations, and management aligned to SBA expectations.
Monthly P&L, cash flow, and balance sheet with scenario cases and footnotes.
Sources and uses, DSCR, and sensitivity checks that match the program rules.
If you currently rent your business space, an SBA loan can replace rent with an ownership payment when occupancy rules are met.
A few quick answers to get you moving. We’ll publish a full FAQ page soon with even more detail.
Timelines vary by program and project, but packaging early means speed. We pre-qual quickly and guide you step-by-step so underwriting and closing move efficiently.
Not always. Many SBA approvals are possible with limited collateral— and **unsecured SBA options** may be available depending on use of funds and overall strength. We’ll align you with lenders comfortable with your profile.
SBA lenders consider the whole picture—cash flow, experience, and projections—not just a number. If there’s a path, we’ll help you present it clearly.
Working capital, business acquisition, partner buyout, equipment, and **business owner-occupied** commercial real estate (51%+ for existing buildings; 61%+ for new construction). We’ll align the request to the program that fits best.
Yes—SBA programs support **business owner-occupied** real estate. Our Rent Replacement approach helps convert rent into ownership with up to 100% financing when criteria are met (generally 51%+ occupancy for existing buildings and 61%+ for new construction).
New ventures can qualify with a strong plan, relevant experience, and well-supported projections. Our team packages lender-ready plans so your story lands with underwriting.