”The process was more streamlined than a conventional loan! Lynne held our hand throughout the entire process, made it completely pain free and we closed at around 60 days.”
Carriejune Anne Bowlby, Owner
MiniBeast Enterprises, LLC, Orlando FL
“Construction is now underway, and we're on the glidepath to long term profitability. Finding a creative person in the banking industry is nearly impossible, but it seems like all of them must work for 44 Business Capital.”
J.D. Connolly, Managing Partner
Lake Hudson Resort, Pryor OK
“Both David Velez and his team made it possible for my family to carry on the legacy of a very successful, 29-year-old plumbing business. His expertise was critical in navigating the due diligence phase and the SBA acquisition financing process.”
Hebert Diaz, President
Herndon Muncey Inc, Houston TX
“Thank you, David Velez, and Team 44, for a successful transition to two of the most ambitious owners you will ever meet. We can't express how much you put into the sale of GOES Heating Systems.”
Toni & Kevin Ratliff, Sellers
GOES Heating Systems, Houston TX
“This is one of only two emails of gratitude I have written in my career. I thought you might be interested in knowing that James Stolt exceeded our expectations.”
Fred Sturgeon, Partner
Power House Tools, Batavia IL
”I am very grateful to have found James Stolt to fund my business acquisition. The staff is effective, knowledgeable, and professional. They were very flexible and maintained a positive attitude throughout the process.”
Alex Solis, Owner
Aquinas Painting Contractors, New Rochelle NY
“The 44 team is a true breath of fresh air. It's no wonder they have many stellar, successful businesses in their portfolio! I feel grateful to have worked with them and even more grateful knowing that I have their continued support as I grow.”
Ashley Marand Iwanicki, Founder/Owner
Collective Studios, Londonderry NH
“Lynne Singletary was amazingly helpful and was always able to explain requirements in a manner that was understandable and allowed us to provide appropriate and accurate data.”
Debra Spear and Brenda Scully, Owners
Silver Springs Equestrian Center, Geneva, FL
“After coming to America with nothing in my pockets and big dreams, I have achieved my dream of owning the real estate for my existing restaurant. From the bottom of my heart, thank you.”
Zach Erdem, Owner
75 Main, Southampton NY
“Frank Coppola believed in this deal from day one. Always supporting, always pushing to get to the next step. You were an integral part of coordinating all things Capuano Care and making our dream come true.”
Tiara Chapman, Mary & Mike Griffin
Capuano Care, East Longmeadow MA
“Their knowledge made the process seamless providing a clear path to approvals. 44 Business Capital demonstrated flexibility and understanding to what doing business in our current environment entails working with us to make our dream come true.”
James Giglio
MVP Interactive, Philadelphia PA
“It was an honor working with Mike Hahn and the team at 44 Business Capital. They were culturally sensitive to my needs and were a team to reckon with. I appreciate and am humbled to have worked with all of them.”
Michael Thevar, Founder and CEO
Omni Health Services, Colmar PA
“Thank you for making our long-time dream a reality. As black business entrepreneurs, we face many challenges when it comes to the business realm. You did an exceptional job, one we will never forget! I will refer 44 Business Capital to everyone.”
Cora & Frederick Reed, Owners
Read to Learn Academy & Reeds Refuge Center, Wilmington DE
“44 Business Capital's Dwight Williams helped us navigate our first business acquisition and now we can serve the community of New England in the home health care field that we love.”
Maria Whyte Gruning and Daria Snow-Hayward, Owners
Right at Home, Londonderry, NH
“I cannot tell you the difference it makes in your time and energy to have a team like this in your corner. My financing could not have gone more smoothly, and I was frankly surprised at how quickly we got to closing. I could not be more pleased.”
Denise D. Nordheimer, Esq,Owner
The Law Offices of Denise D. Nordheimer, Delaware
”If it wasn't for that meeting with Joe Dreyer, I would never have had the opportunity to experience my dream. He and 44 believed in an underdog. They encouraged my dream. They allowed me to continue my story. And boy, it's a great one.”
Dr. Missy Bergmaier
Phoenixville Pediatric Dentistry
“Within a week, the team at 44 came up with an acquisition time line, and were very responsive throughout the process. Mike Hahn saved the deal for us and now we have a company that has shown immediate profitability.”
David Zickafoose
Hilton Bus Company, Camden DE
”Their knowledge and preferred SBA lender status really made the process efficient and seamless. As a result of 44's financing, Record Products of America will retain 17 full time positions and will be hiring new personnel with future growth.”
Joseph Helfrich, Owner
Record Products of America, Hamden CT
“As first time business purchasers we were navigating a confusing world of banks, offers and program options. Then we met Michael Hahn with 44 Business Capital. The entire process was very clear. He outlined our options in a very direct approach.”
Toby and Michael Sweeney, Owners
Terrace Tavern & Delaware Avenue Oyster House in Long Beach Island
“Scott Stevens' approach made it clear that 44 Business Capital was not only interested in “making a deal” but rather entering into a long-term relationship with AspireCARE and AspireFIT.”
Drs. Richard Rayner and David White
AspireCARE/AspireFIT

Get the Loan Facts — SBA Financing Solutions Nationwide

44 Business Capital, a division of Berkshire Bank is a direct SBA lender providing SBA loans to small businesses nationwide. Small businesses are defined as companies with less than $5MM in net profit and less than $15MM in net worth. 44 Business Capital's market area is nationwide with offices in Philadelphia, Pennsylvania, New Jersey, New York, Maryland, Washington DC, Virginia, Connecticut, Massachusetts, Vermont, Illinois, Colorado, Texas, Alabama, Georgia and Florida. Clients are manufacturers, restaurants, professional services, retailers, wholesalers/distributors, healthcare professionals. With terms up to 25 years and fully amortizing, these SBA loans provide long-term certainty in an uncertain economic environment.

44 Business Capital Loan Services

Small/Middle Market Business Loans

Loan Amount
$500,000 to $5MM

Rate
Based on Credit Quality

Terms
Up to 25 years on real estate Up to 10 years on business acquisitions, equipment and permanent working capital

LTV
Flexible; Evaluated on a deal by deal basis

Origination Fees
None

Use of Funds
To purchase owner occupied real estate (must occupy 51% of the building) business acquisitions, equipment purchases, partner buyouts, renovation/construction or refinance existing debt.

Business Types
Manufacturing, distribution, retail, medical and other professionals, automotive and auto body repair, motels, marinas, day care centers, car washes, restaurants or any worthwhile business.

Benefit
Access to decision makers
No loan covenants
Quick response

Underwriting
We assist with loans a typical bank will not due to non-monetary defaults or covenant violations. If the business model is sound and the company is trending positively, the loan will be considered.

Download a Printable PDF

SBA + Conventional Loans

Loan Amounts
$5MM SBA 7a paired with a Conventional loan of
up to $5MM (up to $10MM total)

Rate
Based on Credit Quality

Terms
Up to 25 years on real estate
Up to 10 years on business acquisitions,
equipment and permanent working capital

LTV
Flexible; Evaluated on a deal by deal basis

Origination Fees
SBA Loan — SBA Guaranty Fee
Conventional — TBD

Prepayment Penalty
If SBA loan > 15 years - 5,3,1
Conventional — TBD

Use of Funds
To purchase owner occupied real estate (must occupy 51% of the building) business acquisitions, equipment purchases, partner buyouts or refinance existing debt.

Business Types
Manufacturing, distribution, retail, medical and other
professionals, automotive and auto body repair, motels, marinas, day care centers, car washes, restaurants or any worthwhile business.

Benefit
Deal directly with decision makers
Quick response
Flexible and sensible underwriting

Underwriting
We assist with loans typical banks avoid due to non-monetary defaults or covenant violations. If the business model is sound and the company is trending positively, the loan will be considered.

Download a Printable PDF

USDA B&I Lending Product

Loan Amount
$1MM to $10MM

Rate
Based on Credit Quality

Terms
Up to 30 years depending on collateral

LTV
Flexible; Evaluated on a deal by deal basis

Real Estate - 80%
Machinery & Equipment - 70%
Inventory - 60%
A/R - 60%

Conditions
Balance Sheet Equity must be at least:
10% for existing businesses
20% for new businesses

Origination Fees
One time guarantee fee of 3% of the guaranteed amount
(Loans up to $5MM are guaranteed 80%)
(Loans up to $10MM are guaranteed 70%)

Purpose
Real Estate Purchase
Machinery and Equipment Acquisition
Working Capital
Debt Restructuring/Refinance
Business Acquisition

Visit the following website:
https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

Click on Rural Business
Click on link for Business & Industry Program
Input full address of project location

Download a Printable PDF

Frequently asked questions

What is a small business?

Small businesses are defined as companies with less than $5MM in net profit and less than $15MM in net worth.

What amount can be borrowed with an SBA loan?

Loan Amounts range from $500,000 to $5MM with a rate based on credit quality with terms up to 25 years on real estate up to 10 years on business acquisitions, equipment and permanent working capital. For loans over $5MM 44 Business Capital may structure an SBA 7a loan paired with a Conventional loan of up to $5MM (up to $10MM total).

What types of businesses can apply for an SBA loan?

Business types include manufacturing, distribution, retail, medical and other professionals, automotive and auto body repair, motels, marinas, day care centers, car washes, restaurants or any worthwhile business. View featured small businesses.

What can SBA funds be used for?

Small and middle market SBA loans can be used to purchase owner occupied real estate (must occupy 51% of the building) business acquisitions, equipment purchases, or refinance existing debt.

Where can I apply for an SBA Loan?

We finance SBA loans nationwide. 44 Business Capital, the direct small business lending division of Berkshire Bank, provides SBA Loans to Small Businesses Nationwide with offices in Philadelphia, Pennsylvania, New Jersey, New York, Maryland, Washington DC, Virginia, Connecticut, Massachusetts, Vermont, Illinois, Colorado, Tennessee, Alabama, Texas, Georgia and Florida. Apply now.

Diversity of Industries Served by 44 Business Capital

While some providers specialize in lending to a few industries, 44 serves a variety of industries from manufacturing to Montessori schools.

Start Your Loan Now

OUR BORROWERS SAY IT BEST

$1,865,000 SBA Loan for Warehouse/Office Building

Fitness Owner purchases Orlando CRE

$1,665,000 plus a $300,000 LOC for Business Acquisition in Houston, Texas

Navigating the SBA Business Acquisition Financing Process

$1,528,000 Loan for RV Park, Commercial Real Estate Debt Refinance and Expansion

Funding Expansion for Veteran in Oklahoma
A Fully Funded $5,000,000 SBA Loan for Stock Redemption Deal

Partner Buyout of GOES Heating Systems, Houston, Texas

$873,000 + $50,000 LOC for Purchase of Tool Company in Illinois

Lining up the pieces to close business acquisition in Batavia, IL

$1.77M SBA Loan to Acquire an Existing Natural Food Market in Sayville, NY

Funding ownership for long time market manager
Centenario Sport Bar and Restaurant Opens Second Location

Financing for Real Estate, Liquor License, Renovation

Dre's Water Ice and Ice Cream Funds Short-Term Growth

Philadelphia Entrepreneur finances $150,000 for Equipment and Working Capital

$3,822,000 to Purchase Palace Diner in Poughkeepsie, New York

Unwavering Support leads to Sound Financing
$1,484,000 to Finance Bowling Alley Entertainment Center

Family Purchases and Renovates Hometown Bowling Alley in Pittsfield, MA

$745,000 SBA Loan to Acquire Painting Business in New York

A Dream of Owning and Operating a Small Business Comes True

$1,403,000 SBA Loan to Purchase Liquor Store

Business Partners Acquire Retail Liquor Store in Orlando, Florida
$2.8MM 7a Term Loan + $350K SBA Express LOC for Surgical Instrument Company

Funding the acquisition of MSI Precision Specialty Instruments in Phoenixville, PA

$1,212,000 to Acquire Funeral Home & Cremation Business

Purchasing Mack's Funeral Home in Elberton & Hartwell, Georgia

$1,000,000 for Business Acquisition and Stock Purchase of Security Business

Miami-based Entrepreneur realizes Dream of Small Business Ownership
$1,905,000 Loan for Acquisition of Boutique Inn in Bennington, Vermont

An Elegant Lodging Experience in the Historic District of Old Bennington

SBA Loan to purchase Kiddie Academy Day Care in West Caldwell, NJ

$1,364,000 to acquire an Existing Daycare Center

$1,484,000 to Finance the Acquisition of Colorado's last remaining Music-Retail Icon

Legendary Denver Record Store Changes Hands after 33 Years
$1,310,000 Loan for Real Estate and Working Capital

Training Future Equestrian Competitors in Geneva, Florida

Financing for Funeral Home Business with Real Estate in Chalfont, PA

Owning a Small Business Becomes a Reality with SBA Loan and Manageable Payment Plan

$1,568,000 to Refinance Winning Touch Tennis Club

Lehigh Valley Tennis Club Owners Refinance Existing Mortgage Debt
$2,100,000 Loan for Commercial Real Estate Land Purchase, Building Construction with all Associated Costs

Securing Financing for Premier Ivybrook Academy Preschool Franchise

$680,000 Loan for Construction, Equipment and Working Capital for Boutique Fitness and Wellness Studio

Londonderry, NH Studio Opens Creating Community & Inspiring Health and Personal Growth

$3,200,000 SBA Loan plus $200,000 Line of Credit for Business Acquisition & Commercial Real Estate

New Owners purchase 40 Year-Old Second Generation Building Supply Company in Industry, TX
$795,000 SBA Loan for the Acquisition and Fit-Out of New Dance Studio

On Edge Movement Dance Opens Newly Renovated Studio in Phoenixville, Pennsylvania

$1,130,000 SBA Loan to Purchase Tri-County Pavers and Design Corporation

Florida Couple Purchases South Florida Paver, Driveway, Pool Deck, and Retaining Wall Provider

Mental Health Services Provider expands with SBA Loan Securing Working Capital and Fit-out Financing

Omni Health Grows Business with Purchase and Retrofit of New Mental Health Facility in Pennsylvania
SBA Loan for Experiential Solutions Company to Purchase New Property

MVP Interactive Expands with Philadelphia Real Estate Purchase and Space Improvements

After leasing for 15 years Cora and Frederick Reed now own the facility with room to grow

Award Winning Outreach Organization purchases their facility in Wilmington, Delaware

Financing for Real Estate and Business Purchase of Destination Hot Dog Joint

First Time Business Owners Buy 50-Year-Old Hot Dog Institution
$3,010,000 SBA Loan to Purchase Certified and Private Home Health Care Service in New England

Financing for Stock Purchase and Employee Buy Out of Full Service Home Care Agency

Southampton, NY Restaurant owner purchases building

$5MM SBA Loan to Buy Real Estate for Existing Restaurant Business

$4,300,000 SBA loan for Real Estate and Improvements

Family Owned Day Care in Clifton, NJ now Own their Real Estate
$1MM Loan for Lake John RV Resort in Walden CO

Dreaming of an Outdoor Business with Fishing, Camping and Hiking

$1,105,000 SBA Loan to Acquire the Real Estate, Liquor License & Business to Open Inn at Glen Gardner

A Reimagined 1760's Inn Features New Ownership and Chef with a Scratch-Kitchen of Elevated American Cuisine

Commercial Painting and Drywall Company Owner Acquires Commercial HVAC Business

Financing New Jersey Business with $2,950,000 term loan & $350,000 SBA Express LOC
$600,000 SBA Loan to Finance the Acquisition of a Second Blackjack Pizza Shop in Colorado

US Veteran Secures Financing for Small Business Where He Worked as a Teen

$552,500 SBA Loan for First time Business Owner

Serving a critical role in the local economy in a highly seasonal area that relies on both local and tourism traffic.

Brandywine Center for Autism Opens New Location with Property Purchase

New facility features collaborative work spaces and two levels of individual therapy rooms and customized sensory areas
Veteran-owned business dedicated to hiring veterans, veteran spouses, guard and reserve personnel

Project Management Experts become their own Landlord with Financing for Commercial Real Estate

The Law Office of Denise D. Nordheimer, Esquire Expands

Law Practice Opens a Second Location in Milton, Delaware

Vision of Owning Their Own Kennel Business is Realized

Long-Time Former Pet Groomers head into Retirement
$963,000 SBA Loan for Southern New Hampshire Home Care Business

Navigating the Acquisition of a New England Small Business

$1,450,000 SBA Loan and Line of Credit

Sound Financing for Engineering Manufacturer in New Jersey

$1,206,000 SBA Loan to Out-of-State Couple for Camping on the Battenkill Purchase

New small business owners acquire 35-acre campground in the Arlington, Vermont area.
$320,000 SBA Loan for Commercial Real Estate for Small Business Startup

North Arlington, NJ gets a New Pet Hotel

$1,285,000 Loan to Finance Taphouse in Phoenixville, PA

Co-Owner's Dream of Opening Sedona Taphouse Comes True

$1,025,000 SBA Loan to Majestic Heli Ski to Purchase Majestic Valley Lodge to Accommodate Winter Skiing Guests

Alaska's Heli Ski Business purchases Majestic Valley Lodge
$2,675,000 SBA Loan to Denver Area Baker to Purchase Business

44 Business Capital funds acquisition of Wholesale Bakery

Rapidly expanding Roofing & Siding Company outgrows leased space

$1,267,000 SBA Loan for Real Estate Purchase

SBA Loan and Line of Credit funds Hilton Bus Company Purchase

Partners business opportunity in Delaware is financed with SBA loan - acquisition shows immediate profitability
Colorado Native Opens New Dental Office in the same Neighborhood

$351,000 Loan to Open New Office in Englewood, CO

Philly's Local Food Favorite - The Good Dog Bar Gets a Face Lift

$2,200,000 SBA Loan to Heather Gleason & Dave Garry for Debt Refinance/Partner Buyout/Renovation

$2,187,000 SBA Loan for Acquisition of Record Products of America

With the resurgence of the vinyl record Industry, 17 jobs preserved in Connecticut
$550,000 SBA Loan & $100,000 line of credit expands Empowered Yoga

Empowered Yoga, Wilmington DE expands business with a new studio and retains loyal following

Operations Manager to President & Owner of Alliance Custom Cabinetry

$1,500,000 SBA Loan for Lancaster County Business and Real Estate Acquisition

Dr. Missy Bergmaier Opens Phoenixville Pediatric Dentistry

44 Business Capital encouraged my dream of owning my own practice
$1,180,000 SBA Loan for Franchise Motel

Motel 6 is a Popular Lodging Choice for Arts & Folk Festival Visitors in Berea, Ky

$355,000 SBA Loan for a Helicopter

Helicopter Tour Company in Central Pennsylvania and Wildwood, New Jersey.

$2,260,000 SBA Loan to Acquire Business & Real Estate Purchase plus Working Capital in LBI

Terrace Tavern & Delaware Avenue Oyster House Stay in the Family
$1,200,000 SBA Loan for Construction and Financing Food Store

Save-A-Lot Food Stores, Frostproof, Florida

Business Acquisition with Real Estate and Working Capital

Purchase Spring House Window & Door in Spring House, PA

$1,050,000 SBA Loan for Build-out and Start-up of Leased Facility for Cosmetology School

Successful Entrepreneurs Realize their Dream in Collegeville, PA
PA Gov. Visits Jyoti Foods after $1,800,000 SBA Loan

Adds Ten New Jobs

Full Refinance of Existing Loans

Aspire Health Care Group, Harrisburg, PA

Robson Industries Manufacturer,West Chester PA - $1,520,000 Loan
Merrick Towle Communications $2,850,000 Loan

$11.8 MM Financing Real Estate Purchase Bensalem, PA

Veteran's $325,000 Loan for Flooring Co.
$3,975,000 Loan Siepser Laser Eyecare

Wayne & Plymouth Meeting, PA

$550,000 Loan for Child Care Franchise

Mike & Michele McKenna, Owners