When you find the right opportunity for your business — a new project, expansion, or acquisition — the last thing you want to hear is, “Your funding will take three months.”
Unfortunately, that’s the reality for many entrepreneurs applying for an SBA business loan.
While SBA loans offer attractive rates and government backing, they also come with delays, documentation overload, and unpredictable approval timelines. In a market that moves fast — especially in Q4 — waiting for an SBA decision can mean missing your window entirely.
That’s why more business owners are turning to private lending solutions from Grammont Enterprises — to get funded faster, close stronger, and seize opportunities before the competition does.
The Appeal of an SBA Business Loan
There’s a reason entrepreneurs consider SBA loans in the first place. They often feature:
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Competitive interest rates
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Longer repayment terms
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Smaller down payments than traditional bank loans
For many, that sounds like the perfect funding option. But what most don’t realize is that the trade-off for those “ideal” terms is time — and lots of it.
Why SBA Loans Move So Slowly
SBA loans require approval from both a bank and the Small Business Administration itself. That means two layers of underwriting, two sets of requirements, and multiple rounds of review.
Borrowers must provide:
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Years of tax returns and financial statements
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Collateral documentation
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A detailed business plan
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Personal guarantees
Even after submitting everything, it’s not uncommon for an SBA business loan to take 12–20 weeks (or longer) to fund. And if there’s a government shutdown, system delay, or backlog? Everything pauses — leaving borrowers waiting while deals slip away.
Private Lending: Funding That Moves at Market Speed
At Grammont Enterprises, we believe opportunity doesn’t wait for bureaucracy. Our private lending programs are designed for business owners who need fast, flexible access to capital — without the red tape.
Here’s how we’re different:
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Approvals in days, not months
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Funding in as little as 60 business days
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No SBA involvement or federal delays
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No personal guarantee required
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Customized loan structures up to $100B+
Instead of forcing your project to fit government timelines, we tailor funding around your goals and move as fast as your opportunity demands.
Why Speed Matters in Q4
The final quarter of the year is a make-or-break season for many businesses.
Entrepreneurs use Q4 to:
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Finalize acquisitions for tax benefits
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Launch expansions before the new fiscal year
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Reinvest profits strategically
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Close growth deals while valuations are favorable
But if your funding isn’t ready, none of that happens. An SBA loan that drags into next quarter means losing both momentum and financial advantage.
With Grammont’s private funding, you can still close before year-end — capturing tax savings, locking in rates, and hitting your growth goals on time.
The Bottom Line
If you’re considering an SBA business loan, it’s worth asking: can your opportunity wait 90 days or more?
If not, private funding from Grammont Enterprises gives you the speed, flexibility, and control you need to move now.
In business — and especially in Q4 — timing is everything.