From SBA 7(a) to NJEDA microloans to conventional bank financing — we prepare complete, bank-grade loan packages that get approved. We handle everything from SBA Form 1919 to financial projections to lender outreach.
Different lenders, different programs, different requirements. We match you to the right loan based on your time-in-business, credit, collateral, and use of funds.
The flagship SBA program. Working capital, equipment, real estate, debt refinance, business acquisition. Long-term, fixed-rate financing with competitive terms.
Long-term, fixed-rate financing for major fixed assets — commercial real estate, machinery, equipment. Delivered through Certified Development Companies (CDCs).
Short-term loans for working capital, inventory, supplies, furniture, fixtures, machinery, and equipment. Issued through SBA-approved intermediary lenders.
New Jersey-specific microloan program with low interest rates. Ideal for businesses that don't yet qualify for conventional bank financing.
Traditional bank lines of credit and term loans. We package loan-ready applications for major regional banks, community banks, and credit unions.
Community Development Financial Institution loans — for small businesses in underserved markets. Often more flexible than conventional bank lending.
Lenders reject applications because of poor preparation, not poor businesses. We assemble every document required, formatted to lender standards, with narratives that address underwriting concerns head-on.
This intake mirrors SBA Form 1919 (Borrower Information Form). Your information is confidential.
No. Launch Strategies LLC is a loan packaging consultant. We prepare the application and supporting documents, but the loan itself is issued by an SBA-approved lender, the NJEDA, or a partner bank. We are also required to disclose our role to the SBA on Form 159.
Most SBA lenders look for a minimum FICO score of 650–680, though some programs and CDFI lenders work with scores as low as 580. The SBA itself doesn't set a minimum credit score — that's a lender requirement.
SBA Express loans can fund in 30–60 days. Standard 7(a) loans typically take 60–90 days. SBA 504 loans for commercial real estate often take 90–120 days. Microloans through NJEDA and SBA-approved intermediaries are usually faster — 30–45 days.
SBA loans are guaranteed by the U.S. government but issued by SBA-approved banks and lenders. The guarantee makes lenders willing to approve loans they wouldn't otherwise approve — typically with longer terms, lower down payments, and more flexible collateral requirements than conventional bank loans.
Yes. If your personal credit is below SBA thresholds, we typically recommend NJEDA Microloans, CDFI loans, or business credit-building strategies first. We'll be honest about your realistic options during the free strategy call.