What are SBA Loans?

SBA loans are loans given out for the further growth of small businesses. SBA loans are different from other loans in that before you can qualify for one, the Small Business Administration must guarantee you.

The “SBA” meaning Small Business Administration does not mean that the administration actually gives you the loan. The SBA only backs up the bank loans and by so doing reduces the risk the lender has to suffer.

The Small Business Administration helps entrepreneurs improve and grow their businesses since they enable these small entrepreneurs to get easy access to small business loans.

This guarantee given by the Small Business Administration reduces the high credit criteria that lenders will hitherto require, thereby making this loan available to all business types.

Benefits of SBA Loans

The SBA loan is suitable for various business types providing financial aid to a wide range of purposes. It gives you access to the following:

  • Loan amount of $5,000 to $5,000,000
  • Loan duration up to 25 years
  • Interest rates as low as 6%
  • Quick loans as fast as 2 weeks
SBA Loan Application Process

SBA Loan Application Process

Considering that SBA Loans are guaranteed by the Small Business Administration, it seems slightly easier to qualify for the loan. However, this may not be totally true as you are still dealing with banks.

Most traditional financial lending institutions still insist on reviewing your credit history, financial statement, and possible collateral for you to qualify for an SBA loan.

A comprehensive business plan and proof that you are capable of servicing the loan will be required of you to qualify.

However, with a five-step process, you are sure of getting an SBA loan, stress-free thereby shunting the entire process traditional financial institutions will put you through. These processes include:

Step 1   Applying for prequalification: When you contact our loan officers, you will be expected to fill out our application form. The loan officer guides you through the entire process as they issue you an interest letter and may possibly visit the business site if necessary. Once the term of the loan has been agreed upon, the loan immediately goes into underwriting.

Step 2   Underwriting/Credit Approval: The information from the application process is carefully analyzed during the underwriting and is approved by the loan committee if the necessary requirements are met. The term of the approval is issued in a commitment letter.

Step 3   Packaging: Upon approval and the signing of the commitment letter, the loan is either packaged as an SBA 7(a) loan, SBA 504, or USDA B&I loan. A closing checklist will be provided to you, all third-party reports ordered and titles opened.

Step 4   Closing: The file is ready to be closed once the lender has gotten the approval from the SBA or USDA and has also received the third-party reports. A closing date of your convenience will be chosen.

Step 5   Servicing: Once you have received the loan, it is important you begin to service it regularly as agreed in the contract terms.

SBA Loan Requirements

SBA Loan Requirements

In order to qualify for SBA loan, certain documents will be required of you. They include:

  • A valid Driver’s License
  • Voided Business Check
  • Bank Statements
  • Business and Personal Tax Returns
  • Business Debt Schedule
Contact Us

We're not around right now. But you can send us an email and we'll get back to you, asap.

Start typing and press Enter to search

Sintia is a proud Houstonian who is earning her Bachelors of Psychology at the University of Houston Downtown. In the future, she hopes to become an Immigration Lawyer where she can live out her passion of helping individuals relocate for greater opportunities. Sintia joined Valiant Capital in April 2020 as the Support Specialist where she enjoys engaging and helping clients with all documentation needed to finalize their loan request.

In her free time, she volunteers at her church as a youth group leader where she enjoys making a positive impact in the youth community.

Sintia Carcamo

Support Specialist
Houston,TX
832.942.3187
support@valiant-capital.com

Ariana is a recent graduate of Texas A&M University where she received her undergraduate degree in Kinesiology and minor in business. As the adidas Campus Agent, she crafted unique ways for students to interact with the brand and increase brand exposure by aligning national campaigns with a localized corporate agenda. Her passion for fitness led her to become a Certified Personal Trainer and work as a fitness coach for D1 Sports training while she completed her undergraduate degree. For Valiant Capital, Ariana works as the Marketing Specialist where she launches social media campaigns, creates marketing materials, and implements promotion strategies.

In her free time, she enjoys crossfit, wine tasting, and traveling.

Ariana Roy

Marketing Specialist
Houston, TX
281.964.7272
marketing@valiantcapital.com

Scott is currently pursuing his degree in economics with a minor in business from the University of Texas at Austin. Scott’s previous undergraduate internship with Ascendant Industries developed his passion for finance. He began working with Valiant to further his knowledge of financial/credit analysis. Scott enjoys helping clients in order to see their businesses thrive.

 

Apart from work, Scott is passionate about soccer, Houston sports teams, and being outdoors.

Scott Marker

Commercial Underwriter
Houston, TX
512.917.4608
scott@valiant-capital.com

Mario began his career in retail management working for a Fortune 500 company. Since 2009, he transitioned into entrepreneur-ship within the financial services industry. With over 11 years of business development as an entrepreneur, his primary goal is to add value to all his business relationships by connecting their financial needs to Valiant’s strong financial support network.

Most importantly he values his family of four children and his wife of 11 years.

Mario Cavazos

Partner
McAllen, TX
956.975.9750
mario@valiant-capital.com

Matt joined Valiant Capital after more than 30 years in business. He loves the idea of helping small business owners find the best funding possible to improve or expand their business. He began his career as a golf instructor, working with nationally recognized professionals such as Jackie Burke Jr. and Jim Hardy. He served as Head Golf Professional at Raveneaux Country Club and was the first General Manager at Black Horse Golf Club. He founded The Matt Swanson School of Golf at Wildcat Golf Club in 2001, the Swanson Golf Center and Swanny’s Grill in Northwest Houston in 2009. He brings with him extensive experience as an entrepreneur and small businessman. This gives him a unique perspective as he helps fellow business owners obtain funding for their projects. Matt completed his education at the University of Houston- Downtown, graduating with a Bachelor of Business Administration.

His favorite hobby is to watch his daughter compete in college and amateur golf.

Matt Swanson

Partner
Houston, TX
832.802.2277 ext.907
matt@valiant-capital.com

Rick is a graduate of Texas A&M University, where he received a Bachelor’s Degree in engineering. After graduation, Rick launched his career in Houston by specializing in land development for over 10 years and worked on various projects such as subdivisions, retail centers, and apartment communities. Rick is a Licensed Professional Engineer with over 5 years of experience providing tax incentives for commercial properties and over 20 years of experience in the construction industry including land development, subsea construction, and certifying commercial buildings for energy efficiency across the nation. Not the “typical engineer”, Rick has the innate ability to bring people together and make connections.

During his spare time he enjoys spending time in his hometown of Austin with family and friends, being on the water, playing & watching sports, and volunteering with the Houston Rodeo.

Rick Alejo

Senior Partner
Houston, TX
281.788.6394
rick@valiant-capital.com

Jesus Cazares is a Houston native with over 25 years of experience in the finance industry. Throughout his experience with commercial real estate, cash-flow management, and financial analysis, his primary goal is help clients overcome challenges with managing their business growth and sustainability. With experience as a small business owner, Jesus understands the challenges with raising capital, he enjoys finding capital solutions that meet his clients needs. Outside of work Jesus enjoys spending time with his wife of 20 years and his three wonderful kids.

Jesus Cazares

Senior Partner
Houston, TX
832.452.5797
jesus@valiant-capital.com

Mr. Abney joined Valiant Capital in April 2020 as a Senior Partner, where he focuses on building relationships with various companies through sourcing, structuring, and executing capital raises and strategic advisory engagements. Prior to joining Valiant, Mr. Abney held various senior management positions over the past six years with a large, international oil field services company. Mr. Abney began his career as an Investment Banker in Canaccord Genuity & #39;s Energy practice that served all sectors of the oil and gas industry. Mr. Abney brings over ten years of industry and banking experience covering private and public equity, debt issuances, mergers and acquisitions, fairness opinions, and restructurings and workouts. During his career,Mr. Abney has been involved in over 35 strategic corporate transactions, including approximately $4.4 billion of various capital raises. Mr. Abney holds a Bachelor of BusinessAdministration degree in Finance from the University of St. Thomas in Houston, TX.

Ryan Abney

Senior Partner
Houston, TX
832.802.2277 ext. 908
ryan@valiant-capital.com

Loan Trinh, a native Houstonian, learned a strong work ethic at an early age. Her banking career consisted of working for Amegy Bank for 11 years in Wealth Management. Prior to Amegy she also worked for JP Morgan Chase Bank and Comerica Bank. In addition, she was a graduate of a competitive formal credit underwriting program. Her most recent role in Banking was Vice President and Private Banking Team Leader. Her role consisted of delivering Private Wealth Services and managing a portfolio in excess of $200 million dollars in loans and deposits. She’s passionate about business development, networking, and community involvement.

Loan earned a Bachelor’s degree in Business Management with a minor in accounting. She is currently licensed in real estate in Texas and Florida. She was an active member of the Houston community; She volunteered at non-profit organizations such as Ronald McDonald House, Junior Achievement, and Kipp Schools. She was a member of Commercial Real Estate Women in Houston and Asian Chamber of Commerce. She was the Chairwoman for the annual auction fundraiser at Cornerstone Academy and Co-Chair for CREW Golf Tourney fundraiser. Loan currently resides in Naples, Florida with her son.

During her free time, Loan enjoys outdoor activities, such as fishing, paddle boarding, and traveling.

Loan Trinh

Senior Partner
Naples, FL
239.877.0822
ltrinh@valiant-capital.com

Shawn began his career in the financial industry in 2007, specializing in merchant processing. As active President of Transglobal Payment Systems, since 2015, Shawn is results and community driven.Shawn joined Valiant Capital in 2017 and currently hold the position of Senior Partner with the firm.He enjoys building relationships with commercial clients in various market segments and specializes in CRE, hospitality, SBA, and Asset Based Lending. Shawn enjoys spending his time with his lovely new bride and daughter as well as, giving back to the community.

Shawn Bombaywala

Senior Partner
Houston, TX
832.802.2277 ext.901 shawn@valiant-capital.com

Eddie has over 15 years of Banking experience working at both BBVA and Bank of Texas. Throughout his time in the financial industry, he has held key positions as Portfolio Manager, Branch Manager. Licensed Financial Advisor, and Commercial Lender. This combined with his background as a Licensed Real Estate agent, perfectly positioned him to begin his journey with Valiant as a Managing Partner since 2018. He enjoys helping clients find the necessary financial support that best suits their needs to insure their success.

In his free time, he volunteers as a youth leader for his church and coaches Little League baseball for his son.

Eddie Guajardo

Managing Partner Houston, TX 832.802.227 ext. 904
eddie@valiant-capital.com

As co-founder and Managing Director, Lou Gonzalez leads Valiant Capital and oversees all operations and corporate strategies. Prior to Valiant Capital, He started his banking career in 2002 and gained his experience with Bank One, JPMorgan Chase, BBVA USA, and Comerica Bank, with a dedicated focus in SME, Commercial and International Finance.

Throughout his career, he has received numerous awards for customer dedication, production, and leadership. Mr. Gonzalez holds a Bachelor’s degree in Business Finance and has received the President’s Student Service Award by George W. Bush

His passions outside of work include, spending time with his wife and two kids, traveling abroad, snowboarding, and scuba diving.

Lou Gonzalez

Austin, TX Managing Director 346.444.0440 lou@valiant-capital.com