Nabesna Capital arranges Small Business Administration (SBA) and Community Development Financial Institution (CDFI) financing for qualified borrowers nationwide.
These programs provide flexible, affordable, and accessible capital designed to help small and emerging businesses expand, acquire assets, or stabilize cash flow when conventional lending may be out of reach.
We work directly with SBA Preferred Lenders, CDFIs, and mission-based lending partners to align borrowers with the right structure, terms, and program type for their goals.
Our SBA and CDFI programs are built for established small businesses and entrepreneurs across industries, including:
We specialize in supporting main street operators and growth-focused entrepreneurs who need capital partners that understand their business model, not just their balance sheet.
Ideal for working capital, business acquisitions, partner buyouts, and debt refinance.
Loan Size: Up to $5MM+
Terms: Up to 10 years for business loans; 25 years for real estate
Benefits: Low down payment (as little as 10%), long amortization, flexible use of proceeds
Designed for owner-occupied commercial real estate or large fixed-asset purchases.
Structure: 50% bank first mortgage, 40% SBA-backed second mortgage, 10% equity injection
Benefits: Fixed rates, long terms, and predictable monthly payments
Mission-driven financing from certified Community Development Financial Institutions focused on underserved markets and emerging entrepreneurs.
Loan Size: $100K – $2MM typical
Benefits: Flexible credit standards, competitive pricing, focus on community and job creation
You’re purchasing or expanding an existing business
You’re buying equipment or commercial real estate for your company
You need working capital for operations or contract growth
You’re refinancing existing debt into a lower-rate, longer-term structure
You’re launching or scaling an early-stage business without conventional bank history
Loan Size: $100K – $5MM+
Leverage: Up to 90% of total project cost
Amortization: 7–25 years depending on purpose and collateral
Rate Structure: Fixed or variable; prime-based pricing common
Collateral: Business assets, real estate, or equipment; personal guarantees typically required
Lenders: SBA Preferred Lenders, CDFIs, and community-focused banks
Certified Network Access: Established relationships with SBA Preferred Lenders and CDFI partners nationwide.
Experience with Complex Transactions: We structure deals for acquisitions, partner transitions, and real estate-heavy operations.
End-to-End Execution: From packaging and underwriting to lender coordination and closing.
Mission Alignment: We help small businesses secure the capital they need — even when traditional lenders say no.
Our role is to navigate the complexity of these programs so you can focus on running your business.
