Small Business Financing Arlington MA

Looking for Small Business Financing in Arlington? We have compiled a list of businesses and services around Arlington that should help you with your search. We hope this page helps you find Small Business Financing in Arlington.

Sharon Rich
Womoney
(617) 489-3601
76 Townsend Road
Belmont, MA
Expertises
Cash Flow/Budgets/Credit Issues, Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Socially Responsible Investments, Planning Issues for Unmarried & Same-Sex Couples, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, Ed.D., MAT

Charlo Maurer
Peace of Money
(617) 744-0193
5 Appleton Street
Watertown, MA
Expertises
Ongoing Investment Management, Real Estate Investments, Socially Responsible Investments, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BA, M.Ed., MS

Susan Moore
Moore Financial Advisors, LTD.
(617) 393-9999
7 Clyde Road
Watertown, MA
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Planning Issues for Unmarried & Same-Sex Couples, Divorce Planning, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Dorothy Cole
Dorothy J. Cole
(800) 352-6530
P. O. Box 201
Lexington, MA
Expertises
Planning Issues for Business Owners, Divorce Planning, Financial Issues Between Generations, Middle Income Client Needs, Advising Medical Professionals, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA, EdM

William Baldwin
Pillar Financial Advisors, Inc.
(781) 290-4900
404 Wyman Street, Suite 210
Waltham, MA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues, Charitable Giving - Trusts & Foundations
Certifications
NAPFA Registered Financial Advisor, BBA, JD, LLM

Michael Durant
Belmont Financial
(617) 489-0040
30 Church Street, Suite 320
Belmont, MA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

James Pinney
Pinney & Scofield, Inc.
(617) 492-6223
22 Hilliard Street
Cambridge, MA
Expertises
Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, BA, CFA, CFP®

Annie McQuilken
Kintyre Financial Advisors, LLC
(781) 862-8606
74 Bedford Street
Lexington, MA
Expertises
Planning Issues for Business Owners, Advising Entrepreneurs, College/Education Planning, Ongoing Investment Management, Socially Responsible Investments, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Christiane Delessert
Delessert Financial Services, Inc.
(781) 547-5589
230 Third Avenue, 5th Floor
Waltham, MA
Expertises
Ongoing Investment Management, Divorce Planning, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, LLM, MBA, PhD

Richard Spillane
Spillane Money Management, Inc.
(339) 298-1570
400 TradeCenter, Suite 5900
Woburn, MA
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Hourly Financial Planning Services, Tax Planning, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Business Financing From The SBA / Small Business Administration

The Small Business Administration is the most useful resource available to startups and established small businesses. An Independent agency of the Executive branch of the Federal Government, the SBA has the responsibility of providing assistance to American small businesses in the areas of advocacy, management, procurement, and financial assistance. The SBA financing comes in the forms of investment programs, business loan programs, disaster loan programs, and bonding for contractors. In most cases, the SBA should be the first business financing resource a small business owner looks to for their financing needs.

The SBA has three different loan programs for small business financing . It is important to know that while the SBA has these programs, they do not actually provide the business financing . The SBA sets the guidelines for these loans, then their partners, which include lenders, community development organizations, and microlending institutions, actually make the loan to small businesses . The SBA guarantees the loans, to reduce the risk to the lenders.

The first type of business loan that the SBA offers is the Basic 7(a) Loan Guaranty. When a small business is unable to obtain financing from other sources, this is the primary business loan program offered. This is the SBA's most flexible business financing program, and it is ideal for start up business financing as well as established business financing . This type of new business financing can be used for most business purposes, such as working capital, equipment, office furnishings, land and building, leases, and even debt refinancing. The maturity date of the loan varies, depending on what the loan is used for. For working capital, the loan maturity is up to 10 years, while it is generally up to 25 years for fixed assets.

There are several different variations of the Basic 7(a) loan program, designed to fill specific needs. This type of loan is the closest a small business owner can get to free business financing, because any fees that the SBA has for administration are charged to the lender. However, the lender does have the right to make those fees a part of your loan, which means that you may ultimately pay those fees.

The second type of loan that the SBA offers is the Microloan. This is known as the 7(m) loan program. These are short-term loans of up to $35,000, and are primarily for small businesses and non-profit child care centers. They are meant to provide working capital, inventory purchases, supplies, furnishings, and equipment. They may not be used to pay existing debts or to purchase real estate. This type of business financing is great for business owners who wish to expand.

The third type of small business financing available through the SBA is a Certified Development Company (CDC) loan. Known as the 504 loan program, these loans should only be sought by businesses that require brick and mortar financing . These are long-term...

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