Non-SBA business financing for owners the SBA no longer serves
Since March 1, 2026, SBA 7(a) and 504 loans require every owner to be a U.S. citizen or U.S. national living in the United States. If you or a co-owner holds a green card or a visa, I find the non-SBA lenders that will look at your business — and I prepare the package they ask for.
Source: SBA Policy Notice 5000-876441 and Procedural Notice 5000-876626 (both effective March 1, 2026).
What I can find
Equipment finance
Loans or leases secured by the equipment you buy.
Details →Invoice factoring
Cash advanced against invoices you have already issued.
Details →Non-bank term loans
Fixed-payment loans and lines from non-bank lenders.
Details →State & CDFI programs
Mission-driven lenders and state funds, often with below-market rates for eligible borrowers.
Details →
Why owners use a broker for this
Lower-cost options checked first.
I look at state programs and CDFIs before higher-cost lenders. Those programs rarely pay broker fees, so if one fits, I tell you in writing what my fee would be before you proceed.
A lender-ready package.
I was an operating CFO; I build the financials, the use-of-funds, and the cash-flow case myself.
No merchant cash advances.
I do not place MCAs or daily-debit products.
Who this fits
- A business with revenue
- Most requests are $100K or more; smaller amounts may fit state and CDFI programs
- A permanent resident or visa holder owns part of the company
Not a fit: startups with no revenue, or loans secured by real estate.