Financing Solutions
Whether you are starting, buying, expanding, or restructuring, we help you understand the financing paths that may fit — and prepare to pursue them.
The SBA's most flexible guaranteed loan program, used for acquisitions, real estate, equipment, working capital, and refinancing.
Learn More about SBA 7(a) FinancingLong-term, fixed-rate financing for owner-occupied commercial real estate and major fixed assets.
Learn More about SBA 504 FinancingFinancing to purchase an existing business, including goodwill, equipment, inventory, and real estate.
Learn More about Business Acquisition FinancingPurchase, construct, renovate, or refinance owner-occupied commercial property.
Learn More about Commercial Real Estate FinancingMachinery, vehicles, technology, and specialized equipment to expand capacity.
Learn More about Equipment FinancingOperating liquidity for inventory, payroll, receivables, and growth initiatives.
Learn More about Working Capital SolutionsRestructure or consolidate existing obligations to improve cash flow and terms.
Learn More about Business Debt RefinancingIntroducing Buddy
Meet Buddy, the AI-powered technology developed by Sapphire Holdings to make the SBA financing process more organized, efficient, and approachable.
Buddy is our AI-powered SBA loan packaging and underwriting-support technology. From understanding documentation requirements to preparing comprehensive loan packages, Buddy is designed to simplify the complexities of business financing.
Because navigating business financing should feel like having a knowledgeable friend by your side.
Smarter Preparation. Stronger Loan Packages.
Buddy supports loan preparation. It does not make credit decisions, and neither Buddy nor Sapphire Holdings approves or funds loans. All financing decisions are made by lenders.
Why Sapphire Holdings
We do not simply send customers to an online loan application and leave them to navigate the process alone. We work alongside you to understand your goals, organize your information, and present your request clearly.
A conversation about your goals and your business — not a generic online application.
Help assembling and organizing the documentation lenders and SBA programs typically require.
Experience with how lenders evaluate requests, so your package anticipates their questions.
Clear presentation of your financial statements, debt schedule, and use of proceeds.
Support from first conversation through lender follow-up requests and closing coordination.
One point of contact who knows your business and stays engaged as your needs grow.
Our Process
A structured approach that keeps you informed and keeps your request organized from the first conversation forward.
STEP 01
Share your financing goals and basic business information.
STEP 02
We assess the request and discuss potentially suitable financing programs.
STEP 03
We assist with documentation, business planning, and financial presentation.
STEP 04
We help coordinate next steps and information requests with financing sources.
SBA Financing
The U.S. Small Business Administration does not typically lend directly. Instead, it guarantees a portion of loans made by participating lenders — which can expand access to longer-term financing for eligible small businesses.
SBA 7(a)
The SBA's primary loan guarantee program. A single 7(a) loan can combine several purposes, making it a common choice for acquisitions and growth projects.
Common uses
SBA 504
Structured with a private lender and a Certified Development Company (CDC), 504 financing is built for major fixed assets that support growth.
Common uses
Incomplete or inconsistent information is one of the most common sources of avoidable delay in SBA lending. Lenders need to verify the business’s history, the owners’ backgrounds, the use of proceeds, and the ability to repay. A well-organized package lets the lender focus on evaluating your request rather than chasing missing items.
How to prepare for an SBA loanFinal eligibility, rates, terms, and approval are determined by the lender and applicable program requirements. Sapphire Holdings does not approve, fund, or guarantee loans. Financing Disclosures
More Than Financing
Beyond financing, we help business owners find the right partners to protect their operations and manage everyday financial services, all through one trusted relationship.
Commercial coverage to help protect your operations, property, people, and data.
Explore InsuranceCredit and debit card processing and business payment acceptance.
Explore Merchant ServicesAutomated vendor bill payment and accounts payable management.
Explore PayDigital tools that simplify business financing and financial workflows.
Explore Business TechnologyStart the conversation
Whether you're acquiring a business, purchasing commercial property, refinancing existing obligations, or planning your next stage of growth, Sapphire Holdings can help you explore the path forward.
