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SBA 7(a) Loan Brokerage
Up to $5M for fleet expansion, working capital, real estate. We package the application, navigate SBA requirements, and submit to lenders with strong trucking books.
SBA 7(a), working capital lines, fleet expansion loans. We broker your file across the lender network most likely to fund — fast, with the lowest rate available. Trucking-specialized underwriters.
Up to $5M for fleet expansion, working capital, real estate. We package the application, navigate SBA requirements, and submit to lenders with strong trucking books.
$50K-$500K revolving credit lines for cash flow management, fuel float, factoring gaps. Approval in 5-10 business days.
Buying out a competitor? Adding 5-10 trucks at once? We package term loans up to $2M with trucking-friendly amortization.
Combo loans that finance equipment AND fund initial working capital — common for new fleet expansions.
30-min call. We learn your goals, current finances, expansion plan.
Tax returns, financials, P&L, business plan packaged. 7-10 days.
Submitted to 2-3 best-fit lenders. Underwriting in 14-21 days.
Approval, terms negotiated, closing scheduled. Funding 21-45 days from start.
"I have a fleet of 5 Dry Van Rigs. Working with ATC, I've seen a huge arc in my income. Aamir Ranjha is professional and a great problem solver with unmatched experience in trucking. Always recommend them."
SBA generally requires 680+ personal FICO, though some lenders go lower. Business credit and 2+ years operating history matter more for established fleets.
SBA 7(a) typically requires collateral when available — usually equipment, real estate, or accounts receivable. SBA doesn't deny based on lack of collateral, but most lenders want some security.
Realistic timeline is 30-60 days from completed application to funding. We work with SBA Preferred Lenders who can move faster — sometimes 21-30 days for clean files.
Fleet expansion (more trucks/trailers), working capital, real estate, business acquisition, debt refinancing.
Free 15-minute consultation. Quote within 1 business hour. No obligation.