What size businesses does Georgia Small Business Loans work with?

Our capital sweet spot is targeted towards businesses who need loans from $250,000 - $5,000,000+.

Do you provide consulting for new start businesses?

While we typically work with businesses with 2+ years of operations, we will help start-ups who are seeking capital.

How do I apply for a loan with GSBL.org?

Once you contact us, you will be connected with a one-on-one personal adviser that can help walk you through the application process. Your adviser will help you determine which loan program is best for your business. You will potentially be able to apply for multiple types of conventional and SBA guaranteed loan options.

What documents will I need to apply for a loan?

Typically, you will need a personal financial statement, tax returns for the last three years (if currently in business, both business and personal tax returns), as well as copies of contractual agreements (for example, a copy of a lease). Depending on the situation, lenders will likely want to see a business plan, or at a minimum, financial statements demonstrating how the loan will benefit the business and be paid back.

Can you tell me what bank, lawyer, accountant or insurance company is the best for me and my business?

Because we have strong partnerships with all of the local banks, attorneys, accountants, and insurance companies we do not feel that we should recommend one over another. Although both the Society of Certified Public Accountants and State Bar offers referral services.

It is highly recommended that entrepreneurs seek both legal and accounting advice when starting and maintaining their own businesses. It is also important to maintain a strong relationship with both your banker and insurance agent.

How do you differ from the Small Business Administration?

While we are happy to discuss SBA lending, we focus on a wide variety of capital programs, including conventional loans and government loan programs including SBA, HUD, USDA, etc.

How much do you charge?

Nothing! This is a free service provided by private funding sources for the greater benefit of the business community here in Georgia.

I have a nonprofit business. Can you help?

Yes, we are happy to provide services to nonprofits and religious organizations who need help raising capital for their cause.

How do I get a loan?

Lending institutions typically look for the 5 C's when evaluating loan applications. The 5 C's are credit, character, collateral, cash and capacity. Lenders will expect business owners to contribute their own money to the development of the business before they will consider loaning money to a business owner. They also make decisions based on credit score, good character and ability of the business to pay back the loan.