If you are a small company, see if you get approved for refinancing using the Local business Organization's 7(a) program (from area 7(a) of the Local business Act). Certainly in order to get a financing you have to please the lender's requirements along with those of the SBA - the main standard being capacity to settle. But with the SBA warranty behind you, lending institutions will be much more ready to consider you. And also there are major advantages, such as much greater loan-to-value ratios.

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