The SBA 7(a) program accounts for roughly two-thirds of all Small Business Administration loan volume nationwide. As a licensed commercial loan broker serving High Point and surrounding communities like Archdale, Jamestown, Thomasville, and Wallburg, Marshgate Funding connects local businesses to SBA lenders who understand the Furniture Capital's mix of legacy manufacturing, emerging logistics operations, and Main Street retail.
SBA loans
SBA loans in High Point provide government-backed financing up to $5 million with longer repayment terms than conventional commercial credit. The Small Business Administration guarantees a portion of each loan, which improves approval odds for businesses that might not qualify for traditional bank products. We broker SBA 7(a) loans, SBA Express, and 504 programs, matching your business profile to the lender most likely to approve your file.
Typical uses include purchasing commercial real estate along Eastchester Drive, acquiring equipment for contract furniture shops, refinancing high-cost debt, funding working capital during seasonal dips, or financing a buyout of a retiring partner in a family-owned business.
SBA loans
The SBA business loan process begins with eligibility: your company must operate for profit in the United States, demonstrate repayment ability, and fall within the Small Business Administration size standards for your industry. Most High Point applicants need at least two years in business, a personal credit score above 650, and sufficient cash flow to service new debt. Startups can access SBA loans for startup companies if the owner brings industry experience and invests personal equity.
Manufacturers near the Piedmont Triad International Airport corridor and service businesses in downtown High Point both use SBA financing, though approval odds vary by cash flow strength, collateral, and the lender's appetite for your sector.
How it works
We begin with a no-cost consultation at our office at 3980 Premier Dr, High Point, NC 27265, or by phone at (336) 910-4745. You'll provide recent financials, tax returns, and a brief narrative of how you'll deploy the capital. We package your application and submit it to SBA lenders in our network, then guide you through underwriting, closing, and funding.
Because we're a broker, not a lender, we compare multiple SBA 7 a lender options to find the structure that fits your timeline and collateral position. Whether you're expanding a Thomasville upholstery shop or opening a second café in Trinity, we tailor the search to your goals.
For other funding options, explore our working capital solutions, equipment financing programs, or commercial real estate loans. Review all our service areas across the Triad, or return to our High Point commercial lending hub for a full menu of programs.
SBA loans
A third-generation textile-finishing company near the old hosiery mill district needed capital to install automated dyeing equipment and cover six months of payroll during the retrofit. The owners had strong industry relationships but limited liquid collateral. We connected them with an SBA 7(a) lender experienced in legacy manufacturing transitions, structured the loan to include both equipment and working-capital components, and closed in nine weeks.
Related programs
Serving the High Point area
We know which lenders fund which kinds of High Point businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
