Who we are

About sbaloansHQ

We have a large network of SBA lenders that are actively seeking borrowers just like you. There is not a shortage of business lending marketplaces available, but we believe our expertise in dealing with SBA loans is what sets us apart from the others.
Business Loan TeamStart your business with SBA LoansTrustworthy business loan sourceHigh quality support and business loan service


Average Loan Amount in 2022


Loans Funded in 2022


Approval Rate

Elevate your business

Business acquisitions make up over 95% of our work.

We pride ourselves on being the most customer focused firm for prospective small business borrowers. Whether you know exactly what you need, or you're just kicking the tires, reach out and see the difference for yourself.

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    Experienced & Reliable
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    Small Business Focused
Map of United States SBA Loans customers

Industries We Serve

Here are just a few examples of some of the industries we typically do business in:

Hotel business loans


Assisted Living Business loans

Assisted Living

Gas Station Business loans

Gas Stations

Restaurant Business loans


Real Estate Business loans

Real Estate

eCommerce Business loans


Automotive Business loans


Trade Business loans

Trade Business

Our Team

Zach Renta

Zach Renta


Zach Renta is the founder and President at sbaloansHQ. He started in restaurants, turned wrenches on heavy equipment for a few years, then dove head first into the SBA world over a decade ago.  Starting with a Lender Service Provider helping community and regional banks navigate the SBA program from the lending side, he then branched out on his own to focus solely on the borrower side of the equation. If he’s not working, he’s almost certainly hanging out with his wife and kids, on his mountain bike, or thinking about what he’s going to eat next.

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Hear what our clients have to say about working with us

"Nothing but the best to say about Zach. Thanks to his ongoing help, I can purchase another business in Raleigh, North Carolina. Zach is knowledgeable and excellent at what he does. In addition, he provides me with all the information and guidance that make the process much less stressful for me."
- Chau Ng
"I highly recommend this service if you need an SBA loan as Zach is high educated and experience in this process and will get the job done!"
- Thomas S.
"If your looking for personal attention from a true professional to guide you through the loan process then look no further. Zach was always available to me, always willing to lend a helping hand, and always had the answers to my questions."
- Richard S.

Have any questions?

Frequently asked questions

Why should I use sbaloansHQ?
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SBA loans are all we know! Many resources are available to you to find the funding that best suites your needs. But with sbaloansHQ you aren't just getting thrown into some algorithm, you're dealing with live SBA experts that know exactly how to get your project funded.

Can I go to my bank directly?
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Absolutely! Many banks offer SBA lending services. The problem most people run into with dealing directly with their bank is time. Firstly, some banks just are not set up to deal with SBA loans efficiently. Second, if there was another bank our there that could offer you better terms or get your deal done more quickly, wouldn't you want to know?

Can I get 100% financing or will I need a down payment?
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In some cases, yes! One of the most prominent benefits of an SBA loan versus a conventional loan is the out of pocket costs. Existing businesses can typically borrow funds for real estate purchases, expansions, equipment, or working capital with little to no money out of pocket. We can also finance a partner buyout situation in most cases with no down payment. If you are just starting out or buying an existing business, we'll typically look for 5% to 10% of the project costs to be contributed by the buyer.

How long will the loan process take?
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We’ve closed acquisition loans as fast as 30 days from the initial loan proposal, while others have taken several months. The average time is 10 weeks. In most all cases, the buyer and seller get to dictate the closing date. As a buyer you’ll want to work plenty
of time into the contract to do your own due diligence, while we work in the background.

I manage a business already, and my boss wants to retire.
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These projects are some of our favorites. We work with lenders who view your existing time spent in the business as your equity, and don't require you as the buyer to contribute any cash down payment. Between the seller and the SBA loan, we can finance the purchase price, working capital, closing costs, and anything else that my be needed into the project.

How are SBA loans different?
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Compared to a conventional business loan, SBA loans typically offer more favorable terms. The exact interest rate and loan term are chosen by the lender, but fall under SBA's guidelines which conventional loans don't have to follow.

Can an SBA loan be used to buy a business?
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For sure! Many times, when you buy a business there are not enough hard assets (think equipment/real estate) to secure a conventional loan. SBA loans provide a government backing, and allow lenders to make loans to businesses that aren't always fully collateralized.

What is the fee for using sbaloansHQ?
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We offer a tiered approach to our pricing, which varies based on how you think we can serve you best. There aren’t any application fees, so you always know exactly what you’re signing up for.

Can I buy part of a company with SBA?
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Yes! New SBA rules and regulations that came out in 2023 allow for the "partial buyout" of a company. Meaning, you can get a loan to buy stock from a current owner, while they retain some ownership themselves. If it is structured correctly, the seller doesn't need to sign on your new loan, and you don't need any down payment.

Does Seller Financing Count as Equity?
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Yep! We have always been able to count seller financing as part of your down payment, but it was limited and had to be on standby for the life of the SBA loan. Under the new guidelines, the seller financing can count towards the entire equity injections AND it only needs to be on standby for 24 months. Depending on your down payment, we can also allow interest only payments for the standby period.


Drop us a note and we'd be happy to set up a time to chat.

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