Programs overview
Since 2009, Market Direct Capital has helped owners align requests with the right program and the right lender. We package underwriter-ready files and primarily work with Preferred SBA Lenders (PLP) who hold delegated authority—often shortening review cycles and simplifying closing.
SBA 7(a)
The most versatile SBA program for acquisitions (including goodwill), partner buyouts, working capital, equipment, eligible refinance, and business owner-occupied real estate. For real estate, occupancy must be at least 51% for existing buildings (or 61% upon completion for new construction). Terms are commonly up to 10 years for business-only uses and up to 25 years when real estate is primary.
CDC/504
Built for long-term financing of business owner-occupied commercial real estate and major equipment. A typical “50/40/10” structure pairs a bank first lien with a CDC second (fixed, long term) and a borrower injection. Occupancy rules mirror SBA: 51% existing; 61% new construction. Helpful for rent replacement, expansions, and large equipment with long useful life.
SBA Express
Streamlined decisions for smaller requests. Useful for working capital, small equipment, deposits, and short-term needs. Some lenders offer revolving options. When scope grows beyond Express, we’ll map the request to 7(a) or 504 to keep structure efficient.
USDA B&I (eligible rural areas)
Supports qualifying rural businesses with long-term capital for facilities, equipment, and growth working capital via a private-lender loan with a USDA guaranty. We confirm location eligibility, align structure, and match with lenders experienced in B&I execution.
Bridge to SBA
Short-term solutions when timing can’t wait—designed to refinance into SBA 7(a) or 504 once eligibility and documentation are ready. Options include real estate-secured bridges and unsecured bridge solutions (generally up to $1,000,000, subject to credit and lender guidelines).
Business plans & financial projections
Clear, defensible plans can make or break the deal. We build lender-friendly narratives and three-statement models with supportable assumptions and sensitivity cases—prepared in the format loan officers, underwriters, and credit teams want to see.
Getting started
Tell us your goals and use of funds. We’ll confirm eligibility, outline a practical structure and timeline, and match with lenders whose credit box fits—so you spend less time in limbo and more time running the business.