SBA Loans
Government-backed. Best rates and longest terms — and the most paperwork.
Access $10K–$500K through our lender network — matched to your profile, so you're not burning applications on programs you were never going to qualify for.
The Real Problem
Two businesses with identical revenue get completely different offers. The difference is what a lender sees when they pull credit.
Our Approach
We treat funding as phase two. If your file is carrying unresolved collections, maxed utilization, or no business credit separate from your personal credit, applying now just spends inquiries and collects declines.
So we assess readiness first and tell you plainly: fundable today, or here's what has to change and how long it takes.
Then we match you against the programs you actually qualify for instead of sending you to apply everywhere and hope.
Options
We match the instrument to the situation instead of pushing one product.
Government-backed. Best rates and longest terms — and the most paperwork.
Draw what you need, pay interest only on what you use. Built for uneven cash flow.
Repaid as a share of receipts. Fast to close, easier on credit, costs more.
Lump sum, fixed schedule. Good for a defined expansion with a clear return.
The equipment secures the loan, so approval is easier and your other lines stay open.
Sequenced business cards with 0% intro periods. Strong when the payoff runway is planned.
How It Works
Credit, revenue, time in business, existing obligations. You find out where you stand before anyone runs an application.
Dispute inaccurate reporting, restructure utilization, and establish business credit separate from personal.
We target the lenders that fit your profile and assemble the file the way underwriters expect to see it.
Rate, term, fees, payment frequency, personal guarantee — so you're deciding on true cost of capital, not the headline number.
Underwriting
Know what's being scored before you apply.
Score, utilization, recent derogatory activity, and how many inquiries you've collected.
Whether the entity has a profile of its own, or rests entirely on you personally.
Most programs set a minimum — commonly somewhere between six and twenty-four months.
Deposit patterns matter as much as totals. Steady beats spiky.
Current debt service and stacked advances directly reduce what you can borrow.
Your NAICS classification shapes perceived risk before anyone reads a financial.
Nobody can. Lenders decide, weighing credit, revenue, industry, and their own appetite that week. What we control is preparation and targeting — the strongest accurate version of your profile, in front of the lenders most likely to say yes.
Before You Ask
No, but credit decides which programs are open to you and what they cost. Where credit is the bottleneck, we fix that first rather than spending applications on declines.
Applications create inquiries, which is exactly why we match before we submit. Scattering applications damages the profile you're trying to borrow against.
Revenue-based products can move in days. SBA loans take considerably longer because of the documentation and review involved.
Options are narrower, since most programs require minimum time in business. Startups usually lean on personal credit strength while building a business profile early.
AGS Peak Consulting is not a lender and does not guarantee funding approval, amounts, rates, or terms. All lending decisions are made by third-party lenders and funding partners based on their own underwriting criteria. Consult a qualified professional regarding the tax and financial implications of any financing.
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Book a free, no-obligation consultation today. One conversation could change your financial trajectory.
No credit card. No pressure. Just clarity.