Services
Business Loans & SBA
Business loans through Tesni Capital cover SBA 7(a) and 504 programs plus conventional term loans for working capital, equipment, acquisitions and owner-occupied real estate. We are a lending marketplace, not a direct lender: we package your file and put it in front of lenders who compete on terms.
At a glance
| Typical uses | Working capital, equipment, acquisitions, owner-occupied real estate |
| Programs | SBA 7(a), SBA 504, conventional term |
| Timeline | Line of credit 1–3 weeks; SBA 7(a) 4–8 weeks; SBA 504 6–10 weeks |
| Down payment | Lower for SBA programs; varies by lender and use of funds |
| Personal guarantee | Generally required for owners with 20%+ equity (SBA always) |
What this covers
- SBA 7(a) and 504 for owner-operated businesses
- Conventional term loans for larger or faster needs
- Acquisition, expansion and refinance use cases
- We do not approve or fund — lenders make credit decisions
Who it’s for
Owner-operated businesses that need capital for expansion, equipment, acquisitions or owner-occupied real estate, and want to compare SBA and conventional options side by side.
How it works
- Scope the project — We clarify the use of funds, timeline and repayment source.
- Package the file — Financials, use of funds and supporting documents assembled into an underwriter-ready package.
- Submit to lenders — Your file goes to lenders most likely to compete on your deal.
- Compare and close — Review term sheets, choose, and the lender closes the loan.
What you’ll need
- Last 3 years of business and personal tax returns
- Year-to-date interim financials
- Business debt schedule
- Personal financial statement per guarantor
- Sources-and-uses statement
Frequently asked questions
Is Tesni Capital a direct lender?
No. Tesni, LLC is a U.S. business-lending marketplace and broker. We do not approve or fund loans. All credit decisions are made by the lender.
How long does an SBA loan take?
A typical SBA 7(a) closes in four to eight weeks and an SBA 504 in six to ten weeks. Appraisals, environmental reports and construction draws can extend those timelines.
Do I need a personal guarantee?
For most small-business loans, owners holding 20% or more equity must personally guarantee. SBA loans always require a guarantee from 20%+ owners.