SBA & Term Loans
SBA and term loans can support larger purchases, expansion, refinancing, or other long-term business needs when a longer repayment structure makes sense.
The short answer
SBA and term loans are longer-horizon business financing for expansion, equipment or real-estate purchases, refinancing eligible debt, or working capital, available through SBA 7(a), 504, microloan, and conventional term programs. Paradise Working Capital, a Hawaii-based broker, reviews eligible requests and matches them to a participating funding source.
How This Program Works
SBA and term-loan programs are generally designed for established business purposes such as expansion, equipment or real-estate purchases, refinancing eligible debt, or working capital with a longer repayment horizon. SBA 7(a), 504, microloan, and conventional term structures have different requirements, so the completed form and supporting financial documents are important to the review.
2+ years in business typical
Startups OK via select lenders
Strongest rates for qualifying businesses
SBA & Term Loans Calculator
Move the sliders to see an educational funding estimate for this program. It is not an approval, offer, or substitute for a completed application and document review.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
This calculator estimates potential SBA & Term Loans funding based on the requested amount, within this program's typical range of $150K – $7.5M. SBA and term-loan sizing depends on business plan, use of funds, collateral, and repayment ability — not a fixed multiple of monthly revenue. Estimates are for illustration only and do not constitute a loan offer.
Pre-qualification credit check: Our initial pre-qualification review uses a soft credit pull* — it does not affect your credit score. All estimates require a completed application and the requested documents for full review. Paradise Working Capital is a broker, not a direct lender. Program availability, funding amounts, and terms are subject to lender approval.
*See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.
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How It Works
The review begins with a complete form and the documents needed for the program. Timing depends on the request, the funding source, and how quickly the file can be completed.
Complete the Form and Documents
Tell us what you need, complete the application, and provide the business, financial, invoice, equipment, or property documents relevant to your request.
We Review the Full Picture
Once the requested information is in, a local advisor reviews the request and looks for potential program fits within our lending network.
Review Potential Options
If a potential fit is identified, we explain the next steps and any available proposal. The participating funding source makes the final decision.
SBA & Term Loans — Frequently Asked Questions
How long does SBA approval take?
SBA closings typically run 30-45 days once a complete file is submitted; acquisition loans can take 60-120 days depending on complexity. Timing varies by program, application completeness, supporting documents, and funding source — these reviews take longer than short-term programs, and no specific timing is guaranteed.
What documents do I need to apply?
Typically: a completed application, 2-3 years of business tax returns and financial statements, recent bank statements, a personal financial statement, and a use-of-funds explanation. Additional documents (business plan, collateral information) may be requested depending on the program and funding source.
Start Your Funding Review
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.