SBA loans
SBA loans in San Pablo offer small businesses access to government-backed capital with longer repayment terms and lower down payments than conventional bank loans. Dawn Funding Group brokers SBA 7(a) and 504 financing for San Pablo businesses along the San Pablo Avenue corridor and near the San Pablo Reservoir, connecting you with lenders who understand the documentation needed to get a file approved.
The Small Business Administration guarantees a portion of each loan, which lets banks lend with more flexibility. That structure works well for San Pablo businesses in retail, auto repair, and manufacturing who need capital but lack the equity traditional lenders demand. As a licensed commercial-loan broker serving San Pablo and nearby El Cerrito, Pinole, and Richmond, we prepare your file so underwriters see a complete, fundable application.
Loan programs
SBA 7(a) loans fund working capital, equipment, inventory, and owner-occupied real estate up to $5 million. SBA 504 loans finance commercial property and heavy equipment with a fixed rate and a 10- or 20-year term. Both programs require personal guarantees from owners holding 20 percent or more equity, tax returns for the business and guarantors, a business plan, and recent financial statements. Dawn Funding Group organizes every document so nothing delays underwriting.
For a San Pablo auto-body shop looking to purchase the building it rents on San Pablo Dam Road, an SBA 504 loan splits the project into three pieces: a bank first mortgage, an SBA-backed second position, and an owner injection. We work with you to assemble rent rolls, repair estimates, and appraisals that satisfy both the bank and the Certified Development Company.
SBA loans
Underwriters approve files that tell a clear story. We translate your San Pablo business into the language lenders expect: cash-flow projections tied to historical performance, collateral descriptions with supporting valuations, and a narrative that explains seasonal trends or one-time expenses. You stay focused on running your shop or warehouse while we handle the paperwork.
Visit us at 1734 Solano Ave, Berkeley, CA 94707, Richmond, CA or call (510) 751-0901 to start your SBA loan application. We serve San Pablo, North Richmond, Tara Hills, Kensington, and the surrounding corridor.
Explore our San Pablo business-financing hub for more local resources, read the full SBA Loans overview for program details, or visit our Richmond city hub to see every financing option we broker.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
