If you’re a business owner looking to expand, acquire another company or upgrade essential equipment, timing and strategy are everything. And when it comes to funding those moves, SBA loans can be a powerful tool — especially when you have the right experts guiding the way.
That’s where Banks & Associates comes in.
Our Partner Banks Can Do What Local Banks Can’t
Many local banks don’t do enough SBA lending to stay current on the requirements (it’s a federal program). And some local banks are SBA Preferred Lenders, but not all. And even those that are may not have the time, experience or resources to give your loan request the thoughtful attention it deserves.
Our partner banks are Preferred Lenders, which means they’ve earned the SBA’s “delegated authority” to make credit decisions without waiting for SBA approval. That translates to faster timelines and more efficient lending — if the deal is properly structured.
We’re a Strategic Advisor, not a Lender
Banks & Associates doesn’t lend money directly. We work closely with small business owners as strategic advisors to help them pursue smart growth — and we do it by teaming up with our affiliate company, Bank Solutions, a nationally recognized SBA Lender Service Provider (LSP).
As an LSP, Bank Solutions supports and SBA lenders by assisting with origination, underwriting, closing and servicing SBA loans. For business owners, that means we can help package your deal in a way that’s aligned with a lender’s credit criteria — saving time, avoiding missteps and increasing the likelihood of success.
One Size Never Fits All — But We Know Who Fits What
Every lender has a unique credit box. One bank may decline a loan because of the business type, even if it’s a strong deal. Another may love it.
If you’re navigating this alone, you can waste weeks talking to the wrong lender, or worse — end up getting rejected, or accepting a loan that fails to meet your needs.
We help prevent that. By understanding both the nuances of your business and the preferences of our lending partners, we guide you to the right lender with the right structure at the right time.
We offer More Than Loans — We help you with Long-Term Strategy
At Banks & Associates, we do more than match you with a lender. We get to know your business, help define your funding strategy and build a relationship that goes beyond the transaction. Many of our clients continue working with us in ongoing strategic advisory relationships that support growth far beyond the initial loan.
By the time your SBA loan closes, you’ll have more than funding — you’ll have a financial roadmap and a team that’s aligned with your goals.
What’s Next for You
If you’re considering:
- Opening a second (or third) location
- Acquiring a competitor or partner business
- Replacing outdated equipment
- Refinancing existing debt