City Capital Realty

Shawn Rabban


2355 Westwood Blvd Suite 258 Los Angeles
California 90064 USA

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Small Business Loan

  • Car wash
  • Coin laundry
  • Dry cleaner
  • Donuts
  • Fast food
  • Grocery store
  • Ice cream
  • Frozen yogurt
  • Liquor store
  • Manufacturer
  • Pharmacy
  • Restaurant

Business loan pre-qualifications

Lets us pre-qualify your clients for purchasing business or commercial real estate property. Tell us about business type, location, years in business, experience, purchase price, down payments, income and expenses, and borrower credit worthiness, Then we will issue a letter of interest.

Business loan up to $5,000,000

  • Loan Amount: $5,000,000 max
  • Down Payment: 25-30%
  • Term: 10 years
  • Rate: Prime rate plus margin
  • DCR: 1.15
  • Pre-pay: None
  • Standard one time SBA guarantee fee

Business Loan Eligibility:

  • 100% Owner-Occupied
  • Some restrictions may apply
  • Rates and fees are subject to change
  • Appraisal
  • Recourse loan
  • Personal guarantee
  • SBA loan qualification requires owner to be U.S. citizens or permanent resident
  • Franchises must be listed on the SBA franchise registr

Requirements for Business loan:

  • Three years tax return on principal owners
  • Personal financial statements
  • Three years business tax returns
  • Business financial statements
  • Evidence of source of down payment
  • Lease Agreement
  • Credit check
  • Loan application
  • Franchise agreement
  • Borrower's resume
  • Business plan
  • Certified escrow instruction
  • Equipment list - Inventory list
  • History of business

Small Business Loan

he Small Business Administration was created in 1953 upon the passing of The Small Business Act of July 30th 1953. The SBA’s mission is to “aid, counsel, assist and protect small businesses”.

SBA lending provides unique products that can be offered to existing and potential customers by mitigating the risk associated with providing longer term financing to small businesses.

By using SBA Complete outsourcing services, your lending institution can offer these products with peace of mind that the documentation and servicing is performed correctly.

If you already are have put together your own internal SBA loan department, it may make sense to have SBA Complete “on your team” for ongoing technical assistance or on the spot consulting services (training, loan review, improvement of efficiencies).

The SBA 7(a) Loan Program is a guaranteed loan program, where the lending institution makes the loan, but SBA steps in with the payment of their guaranteed portion if the loan defaults. It is used to make term loans for most any type of financing needed by a for-profit operating business. For the fiscal year end 2011 the SBA approved 53,729 loans for 2,727 financial institutions. The gross loan approvals were $19.7 billion and the guaranteed amount was $15.4 billion.

SBA loans are available from commercial banks and lenders as part of a City Capital Realty program offered by the Small Business Administration. These Federal loans are very appealing to small business owners because they offer excellent terms. SBA loans, for instance, generally require much smaller down payments than traditional real estate loans from commercial lenders.
SBA loans are usually used to finance commercial real estate property. SBA 7(A) loans program require a 10% down payment and offer lower interest rates than traditional conventional loans. In addition, you may be able to borrow up to five million dollars depending on a variety of different circumstances.
SBA loans are popular among small business owners. The most common SBA loans are the 7(a) and the 504 loan packages; both deal with commercial real estate investments owner occupied businesses. One of the best ways to ensure you get financing from the SBA is to work with an experienced loan officer. City Capital Realty knows the ins and outs of the SBA loan program and is the best resource for ensuring you get the funds in a timely fashion.

How to Get Small Business Loan

Eligibility for SBA loan

  • An applicant business must operate for profit
  • A business loan applicant must have reasonable owner equity to invest
  • A business must be able to meet all its debt payments, not just its loan payments
  • A business must operate in the United States or its possession
  • Personal guarantees by all business owners (20% or greater) are required
  • Have net worth no greater than $15 million and net profit after taxes below $5 million in the last two operating years
  • Business owner(s) must have acceptable personal credit
  • Be organized as a sole proprietorship, corporation, partnership or limited-liability corporation (LLC)
  • Business must be owner-operated
  • A business must operate in the United States or its possessions









Shawn Rabban 310-714-5616