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44 Business Capital serves CPA’s Clients Nationwide

Did you know that 90% of businesses in the United States qualify for an SBA loan?

44 Business Capital provides SBA loans to small businesses both regionally and nationally. We have helped finance over 200 companies in the past six years whose loans have been turned down by one or more banks. Banks like the A+ loans, we have the experience and resources to handle the B+ loans.

Recently, 44 Business Capital surveyed its existing small business borrowers to gain an understanding of where small businesses turn first when they need to borrow. While we anticipated their response to be “CPA”, it was actually their “bank”. In order to reverse that trend, 44 understands that you need to bring added value to your relationships.

To that extent, we can offer free evaluations of your clients borrowing needs. We have years of experience in the commercial lending arena and know where we can help and, almost as importantly, where we can’t. We can assure you a quick response to any inquiry with a “no nonsense” assessment to determine what can or can’t be done for your client. Together, we can be SBA experts to your clients.

The SBA 7A Business Loan Program

By 44 Business Capital – the SBA Expert

What is the 7A program?

The federal government provides a partial guarantee to a bank or non- bank lender for any loan to a business owner that meets certain parameters.

What are the benefits to this guarantee?

It enables lenders to take credit risk on a loan that a conventional bank lender cannot.

Who Qualifies?

Any company whose tangible net worth does not exceed $15 million AND whose average net income over the past two years does not exceed $5 million. That equates to over 90% of the businesses in the US.

What is the Maximum loan size?

$5 million

What can the Loan Be Used For?

To refinance existing debt, purchase real estate for the operating business, acquire a business, working capital, business expansion.

Is there a job creation component to qualify for an SBA 7 A loan?

No, job creation is not a requirement

“When an SBA borrowing need arises for a client, the team at 44 Business Capital is my first call without hesitation. Very often the SBA lending process can be somewhat onerous and cumbersome. Such is not the case when working with 44 Business Capital. Joe, Jeff and Phil roll up their sleeves and have helped a number of my clients secure SBA funding with timely, efficient and competitive packages. I no longer dread the SBA process as 44 Business Capital handles the entire process from beginning to end.“ — Martin T. Sullivan, CPA

“Without immediate debt consolidation, I do not know if my company would have survived.” When our bank of many years abruptly called in our loan, I didn’t know what I was going to do until my accountant referred us to Jeff Sherry of 44 Business Capital.” — Mary Kohler, H & H Graphics


The 44 Advantage…

  • Access to the Decision Makers
  • Speed to Decision
  • No Loan Covenants

Our Clients…

  • Refinance existing debt
  • Purchase commercial real estate
  • Expand or purchase a business
  • Invest in new machinery & equipment
  • Improve company cash flow
  • Preserve Countless Jobs