SBA Loans in Dayton, OH
71% of Dayton small businesses that secure SBA loans report they would not have qualified for conventional bank financing on comparable terms.
71% of Dayton small businesses that secure SBA loans report they would not have qualified for conventional bank financing on comparable terms.
SBA loans
SBA loans in Dayton provide federally backed financing with longer repayment periods and lower down payments than conventional commercial loans. The Small Business Administration guarantees a portion of the loan, allowing lenders to extend credit to businesses that might not meet traditional underwriting criteria. Burnside Lending Group brokers access to SBA 7(a) loans, 504 programs, and other SBA-backed products for businesses across the Miami Valley.
Two paths forward when your Dayton business needs capital:
Path one: pursue conventional bank financing that demands 25-30% down, personal assets as collateral, and rigid repayment windows that stress cash flow during seasonal dips common to Wright-Patt corridor contractors and Gem City Market district retailers.
Path two: work with a commercial loan broker who matches you to SBA lenders offering terms the Small Business Administration designed specifically for small business realities, 10, 15, even 25-year amortizations that align payments with revenue cycles, not arbitrary bank schedules.
Every conversation at Burnside Lending Group begins with flexibility of terms, because one-size lending crushes businesses that would otherwise thrive.
SBA loans
SBA loan lenders evaluate businesses that operate for profit within the United States, demonstrate reasonable owner equity investment, and have exhausted other financing options before applying. Most SBA loans for small business require the company to meet size standards (typically under 500 employees for most industries), and owners with 20% or greater stake must personally guarantee the loan. Startups, established retailers along Woodman Drive, manufacturers in Moraine's industrial corridor, and service companies throughout the region all qualify if they meet SBA small business administration definitions and can document ability to repay.
Burnside Lending Group serves business borrowers in:
- Dayton - Beavercreek - Fairborn - Huber Heights - Kettering - Moraine - Centerville - Vandalia - West Carrollton - Xenia
Loan programs
An SBA 7 a lender can finance working capital, equipment purchases, real estate acquisition, debt refinancing, and business acquisitions up to the program's maximum loan amount. The 7(a) program remains the SBA's most flexible option, funding everything from inventory buildup before holiday season at a Kettering boutique to a full building purchase for a Fairborn medical practice. SBA loans for startup companies work differently, startup loan SBA programs require stronger personal credit and more detailed business plans, but they remain one of few paths to meaningful capital when the business has no operating history.
SBA loans
A third-generation HVAC contractor near Eastwood needed to replace an aging fleet and expand the team to handle growth in Huber Heights new construction. Conventional lenders wanted the owner's home as collateral and a five-year note that would have meant crippling monthly payments. Through Burnside Lending Group's SBA broker network, the contractor secured a 10-year term that matched equipment lifespan, preserved home equity, and freed cash flow to hire two technicians during peak summer AC season.
How it works
Burnside Lending Group gathers financial statements, tax returns, business plans, and cash-flow projections, then presents your file to multiple SBA lenders simultaneously. This broker approach saves Dayton business owners weeks of serial bank visits and increases the likelihood of approval because we know which lenders favor which industries and loan structures. After pre-qualifying your scenario, we guide document preparation, coordinate underwriting questions, and negotiate terms before you sign. The SBA business loan process typically takes 45-90 days from application to funding.
Call (937) 389-9513 to discuss your scenario, or visit our Beavercreek office at 2650-2680B Indian Ripple Rd, Beavercreek, OH 45440, Dayton, OH.
Explore related programs: working capital loans, equipment financing, and commercial real estate loans.
Serving the Dayton area
We know which lenders fund which kinds of Dayton businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.