Capital access

We build the file that gets a yes

Most owners walk into a bank with a shoebox of tax returns and a verbal plan. Then they wonder why the loan takes six months or dies at underwriting.

Two SBA paths

Which one fits depends on what the money is for

SBA 7(a)

The flexible one. Use it when you need cash working inside the business.

Use it for

Working capital and inventory
Acquiring an existing company or buying out a partner
Refinancing high-interest debt
Opening a new location or funding a real growth plan

Terms

Loans up to $5 million
Maturity up to 10 years for working capital, and up to 25 years for real estate or long-life equipment
Fixed or variable rates, negotiated within SBA maximums
SBA guarantees up to 85% of loans of $150,000 or less, and up to 75% above that

SBA 504

The building and the big equipment. Long-term, fixed-rate financing for major fixed assets.

Use it for

Buying, building, or renovating a building
Buying land
Long-life machinery and equipment
Stopping the rent cycle on a space you already occupy

Terms

Long-term, fixed-rate financing on the SBA portion through a Certified Development Company
Introductions to CDCs covering the Inland Empire
Loan limits, structure, and term length confirmed by your lender before you sign

Figures above come from SBA.gov. Your lender confirms what your specific deal qualifies for.

What we do

Underwriters read a specific way

We build a lender-ready package: a credit-analyst-ready business plan, a clean use-of-funds narrative tied to real invoices, and your financials translated into what the bank actually needs. We take the returns and reports you already have, coordinate with your CPA where it matters, and present the business in the format that gets to a yes rather than the format a lender has to reverse-engineer. Then we hand the file to one of two lenders we trust for your deal profile, not a shopping tour across ten banks.

How we get paid

Our fee is a flat packaging fee paid by you and disclosed to the SBA in writing on Form 159. We do not accept referral fees from lenders. That keeps our recommendation honest.

Boundaries

What we do not do

We do not prepare, amend, review, or file tax returns. That is your CPA's job. If your returns are not current, we pause the engagement until your CPA brings them current.
We do not provide legal, tax, or accounting advice. For those questions we refer you to a qualified CPA, EA, or attorney.
We do not accept referral fees, commissions, or any other compensation from lenders.
We do not guarantee loan approval. Underwriting is the lender's decision.
We do not lend money, hold client funds, or process loan payments.

Also available

Equipment financing

Introductions to vetted equipment lenders for trucks, jetters, cameras, HVAC gear, and laundry equipment.

Also available

Customer financing

Point-of-sale financing so your customers can buy more of what you sell, matched to your industry, ticket size, and margin.

Start with the audit

The Capital Stack Review is part of the Threshold Audit. It shows which capital moves make sense in the next 12 months before anyone talks to a lender.

Book the audit See all services

The Threshold Co is a DBA of Carranza Family Corporation, an active California S corporation. Advisory and implementation services only. The Threshold Co does not provide legal, tax, or accounting advice. Consult a qualified attorney, CPA, or enrolled agent for those questions. All financing is provided by third-party lenders under their own credit criteria. Loan approval is not guaranteed.