Unsecured SBA Business Loans

( No Collateral Or Tax Returns Needed)

UBS Services currently assists client in acquiring SBA Loans. We currently have products available for Start-up companies as well as established companies. See below for current loan products, terms and conditions.

Community Express Program
Best suited for smaller or newer businesses "undeserved" needing working capital.

No Risk Obligation
Pre-Qualification in 24-48 Hours
Quick & Easy Access to Capital
$5K - $25K, Get Funded in Days
No Collateral Required - Unsecured
Perfect for Start-Ups, Home Based and Small Businesses
Low, Affordable Loan Payments, Low Interest Rate, Prime Plus 4.5% - Today’s Rate 7.75%**
No Prepayment Penalties or Balloon Payments – You can Pay the Loan off anytime
Receive Free Online Training to Help Educate You in Marketing, Business Planning, Accounting, and much
more..

Loan amounts offered are: $5,000 - $25,000

APPLY NOW

Patriot Express Program
ALL VETERANS ELIGIBLE, SPOUSES, RESERVISTS, and NATIONAL GUARD MEMBERS
Best suited for smaller or newer businesses needing working capital.

New Businesses
Fast Working Capital
No collateral up to $25,000
Online pre-qualification

Loan amounts offered are: $5,000 to $25,000 (no collateral)
Available soon: $100,000 to $500,000 (collateral required)

APPLY NOW

Eligibility Requirements:

All SBA eligible industries considered
Start-up businesses allowed
Loan proceeds for business acquisition not allowed
Working capital loans to businesses after acquisition has been fully completed are permitted
Franchise must be on the SBA approved Franchise Registry (www.franchiseregistry.com)
Liquid Assets of individual owner cannot exceed $100,000 – does not include IRA, 401K or other restricted accounts
Tax returns required in some cases
Utilizes Fair Isaac Small Business Credit Score System for pre-approval of credit, which evaluates credit history of applicant and industry data including type of business, length of operations, etc. Personal credit issues like past due accounts, collections, accounts settled for less than full balance, etc. have very negative effect on applicants business score and loan decision

Ineligible Businesses:

Not for profit business
Investment Real Estate – apartments, rental housing or multi-tenant buildings
Speculative Real Estate or Business Ventures
Agricultural and farm businesses (growing crops or animals)
Fishing and Shore operations
Medical facilities (including nursing homes and assisted living facilities
Mines (including sand and gravel pits)
Applicants doing business in foreign countries
Businesses engaged in teaching, instructing, counseling or indoctrinating religion or religious beliefs, whether in a religious or secular setting
A business with any products or services of a sexual nature
A business that is engaged in lending (with the exception of Mortgage Brokers)
A business that is engaged in gambling
A business that is engaged in pyramid sales and distribution
A business that restricts patronage
Consumer and marketing cooperatives
A business engage in Lobbying activities (50%)
Insurance companies
SBA loan packagers
A business or borrower that has a prior loss to the government

TERMS AND CONDITIONS

Loan Features:

Loan is fully amortized with no access fees per transactions
Automated process provides fast turn-around time

Loan amounts of $5,000 to $25,000
10 year term – Fully Amortized
Collateral NOT required
Variable Interest Rate based on Wall Street Journal Prime, adjusted calendar quarterly:

Loans of $ 5,000 - $25,000 at Prime + 4.75%

$450 packaging fee – deducted from loan proceeds.
Loan payments automatically drafted from the business checking account at your established financial institution
No prepayment penalty – 21 day payoff notification required
Technical Assistance Included – borrowers receive pre-and post loan closing management and technical assistance