Marketing agency, $1.8M revenue · Atlanta, GA · 7 months
Atlanta Marketing Agency Secured $200K Bank LOC at SBA Prime + 1.5
Bank LOC at SBA prime + 1.5% — among the best small-business pricing in market.
LOC limit
$75K (fintech)$200K (bank)
APR
28%9.75%
Challenge
Agency had grown to $1.8M but used a 28% APR fintech line. Owner wanted bank-tier pricing.
Approach
- 01Confirmed 3 years profitable history and clean tax returns.
- 02Built tri-bureau business credit and aged 24+ months of accounts.
- 03Matched to a community bank with agency lending experience.
Outcome
$200K bank LOC at SBA prime + 1.5% (~9.75% APR). Replaced the 28% fintech line; saved $36K/year in interest.
FAQs
How is SBA prime different from prime rate?
SBA prime tracks the WSJ prime rate but caps spreads above it under SBA 7(a) and Express programs.
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