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New rules have just come out which allow us to refinance existing SBA debt, which was not previously possible. This means that we may be able to refinance your existing 504 debt and/or 7a debt with better terms (10, 20 or 25 years) with still historically low interest rates (currently 2.90% for a 25 year term), and possibly include cash out for business expenses.

The broad requirements include ensuring that we can provide a reduction to your monthly payments of at least 10%, verifying that the debt is at least 6 months old, that the business has been in operation for at least 2 years, and that at least 85% of the debt being refinanced was originally used for the acquisition or construction of real estate, or equipment for the business.

If you would like to have us evaluate your eligibility, please reach out to either of us using the contact information below, and we will let you know how much money we could potentially save you going forward. Please also feel free to visit our website at for additional details.

You can also check out an overview of all the new rules on our FAQ page.

Lucas Sceranka (909) 635-7290


Jeff Sceranka (909) 499-9837

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